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i wanted to try to refinance at a lower rate as i have never been late 325 pymt is 99 to principle
my credit score was at 580 and now is 680 so want to see if i refinance bank says no also the 2004 wreak left me with a settlement to credit cards i had out which i did what they asked but they didn't take it off or note it on my credit score therefore the 7 years should have been over when it is now on there til 2017 i own two homes free and

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