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Monday, April 07, 2014 1:00:44 PM
Why do you think they run multiple credit report(s) on that ole mortgage app? They want to know IF YOU PAY your prior OBLIGATIONS and IF YOU PAY THEM ON-TIME, and very importantly, CONSISTENTLY. It's the thing they (potential creditors) care about probably more than anything else, even your income situation. Way more than they care about your current debt load too. You can have a boat load of current debt to income, but if you have a long, long history of always paying, and always paying on-time, they often want to extend you even more credit. Hhuuuum?
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