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Used to be Singpilot...
Join Date: Oct 2006
Location: Sioux Falls, SD is what the reg says on the bus.
Posts: 1,867
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The actual bad credit cycle is 7 years. Add to that the fact that any bad credit note on your account can be up to 3 years old. Total 10 years before it 'disappears'.
Even that all goes to hell when on almost every credit app is the question "Have you ever decleared Bankruptcy?"
That one never goes away.
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