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It is true, Ive had the -78 FICO also .......
Sorta ....
If you have a strong file with a large FICO score and you goof around at the Credit One prequal site, you will get denied for excuses that dont exist and they will list -78 based on TU. Dont laugh. You can take this "rejection" and order a free TU report. You can do it every 90 days