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It is. For some circumstances, like Timing issues regarding foreclosure, borrower has a discharged chapter 7, 11 or 12 bankruptcy in the past 5 years preceding the date of the credit report.
O.k, thanks. By the way, how do i get an adverse credit? It is because any debt?
Not for nay debt. If your total balance for those debts go above $2,085, then it is considered adverse credit.
Oh, that's interesting. Say, can you tell me about some extenuating circumstances?