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@Revelate wrote:
BBS: there are also plenty of people who get a late or other thing tacked on and nothing happens. I know personal anecdotes aren’t worth much but no lender has blinked in the course of my credit history for all the stupid things that have happened to my credit.
I’m not sure your 99% is really reality honestly as it is more than a single factor that is being looked at.
I would agree, given that this is only relying on a fairly limited sample and not taking into account any other statistical factors.