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the dings won't matter a bit since the bank/mortgage company doesn't really care about your score....score is more for smaller things like car or credit cards.....when you are going for a house, everything on your credit report will be discussed in great detail to determine its value as it relates to your true creditworthiness....you can have bad things on your credit report but if you have logical/reasonable (in the banks opinion) explanations, you will get the loan you can afford.....
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