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Since this post really belongs in both places.
Please refer to this thread: http://ficoforums.myfico.com/t5/Business-Credit/URGENT-Merchant-Account-HELP-Long/td-p/849278
I realize that sometimes it seems it would be better to have the same subject or concerns or questions in more than one board but that can lead to great confusion because people will try and answer and contribute in different places.
I'm going to lock this thread so that all discussions can go on in the thread in Business Credit. I hope you understand why I am doing this.