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For most covered loans, registered information systems would provide a reasonably comprehensive record of a consumer's recent and current borrowing.
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By getting a smaller loan, when you dont need it, but can afford to pay it back, you could rebuild your credit history for the basic cost of the interest and then when you really do have an emergency, or want to buy a new , youll have something to refer to that looks good in your credit history.
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You can also get a settlement confirmation from the collection agency in many cases and you could use that to dispute the accounts as well, or even show it to your mortgage lender as proof that the charge-offs were paid.
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