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dimwits

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Why are assets, especially real estate, not considered when calculating credit report???

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Credit, Not Net Worth

Credit report is strictly on your history of borrowing and tendency to pay it back.

When you apply for a loan, your credit score is only one component of the approval process.  During the actual loan processing, they'll take your assets and potential collateral into account, but your credit score is strictly based upon your history of how you've handled credit.

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