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what negatives do you have on your reports?
Student loans - a few lates scattered througout - they are current now
One 30 day late on a car loan,
2 jax electric derog 90 days late, but paid off...was out of work for 8 months during that time.
everything has been on time/current for 1 years and 3 months now.
thats it for my reports as far as neg info.