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Really? Well I had more than one loan officer recognise some paid accounts as being very good. We had a crises (hubby in a coma) a few years back and our for the lapse in our payment history coincided with it. The loan officers said that the fact that we set things right as soon as we were able told them we were good risks. We actually had a few offers for loans and the reason we didn't accept the first one we got was because we needed one with no real down payment. We didn't have any trouble with paid collections on our report. In fact we were told our credit scores were average which was good considering how much trouble we had once had.
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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