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Early 2011, my foreclosure case was settled (deed in lieu of w/o deficiency
The bank keeps dinging my credit, even though there is no mortgage, they own the house, I have a SM for both loans on the old home. This affects my credit and is the second time they did this. The first time was just before they commenced foreclosure proceedings in 2009. They also keep trying to get me to short sale or refi. I asked an attorney and he said unless the low credit causes harm it's not worth the fight.

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