I have two collections accounts reported that have been paid in full since 2008. I also have a civil judgment showing up from 2006 that has also been satisfied and paid in full in 2008.

I'll be using all of the funds to consolidate debt and will have the bank submit the payoffs so that they know that those debts have been paid in full. My DTI is quick loans 2u com 23. 1 before the loan. I've offered the LO an LOE on the derogs but haven't heard back yet (been communicating thru email).

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