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Thanks for your reply. I do have a few other collections from about three years ago that posted shortly after the BK ,nothing recent but still another ding since the BK. I have established three positive CC accounts and have a positive 3 year auto loan. My file was just sent in on Monday so I am still really concerned as I've already paid for inspections and etc.
I was officially approved today! I can hardly believe this is really happening, thanks to My Fico! Thank you Shane for your input over the years also
You are welcome, congrats!