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What they told you dawg is common practice for evaluations - it is a tool I myself used - If an account was closed and there was not a pattern of late - very late - 120 days late payments on account, most lenders that I have interacted with make the assumption an account was closed by the customer.
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Calling from deep in the heart, from where the eyes can't see and the ears can't hear, from where the mountain trails end and only love can go... ~~~ Three Rivers Hare Krishna
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