Josh995,
Is the address where you applied for the other 20 accounts the same one as the one used on the loan app? I presume the social security number is the same as well.
Equifax My FICO score 815 5/28/2012. Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805
