Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. The share of mortgages that transitioned from current to 30 days past due jumped to 3.4% in April, highest in at least 21 years. . The word 'settled' is a derogatory indicator. Compared to one year ago, default decreased 30 basis points. The chart below when compared to June 2020 shows that the delinquency rates for June 2021 are significantly below the levels in June 2020. When you dispute an old debt, the bureau will open an investigation and ask the creditor reporting it to verify the debt. Graph step one suggests brand new statewide really serious delinquency speed on five brand of financing from 2003. It could have been misapplied to your credit report, or it could be a case of identity theft or fraud. By this point, youre frustrated, but not as angry as when they then do it a third consecutive time. And, if you would like to speak to an Equifax representative about any of the data or solutions mentioned in this blog, please contact us today. Right now, its easier than ever to check your credit report more often. Delinquency can damage your credit, but it's not permanent. *. Make sure to find a reputable counseling agency and keep a lookout for any red flags, like hidden fees or lack of transparency. This makes this month the fourth consecutive month of year-over-year decreases. BUT that account or any other show any late payments whatsoever. Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions. Georgia had the largest decrease at 32% followed by Florida at 24%, and Michigan at 20%. Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. When examining the 10 largest states based on population 9 out of 10 of those states saw an increase in lending and Georgia saw the largest increase at 15%. Once you make six consecutive on-time payments, you can request an interest rate reduction. Equifax Credit Information Services, Inc. P.O. To track the SBDI on an ongoing basis, we encourage you to regularly visit the Risk Insight Suite. Box 740256, Atlanta, GA 30374-0256. A serious delinquency is a piece of negative information that will damage your . This challenging economy, along with the ripple effects of the pandemic have serious implications for commercial real estate lending. Equifax Confidential and Proprietary Information 14 New Segments Other Identification Segment (OS) contains: - Date Reported - the date the OS segment was applied to the file - Type Code Field - Denotes the type of data that resides in the Other Identification Number field such as C = SIN, S = SSN and T = Tax ID - Other Identification Number such as Tax ID number For example, a collection from a few years ago will bear less weight than a recently-reported collection. It is typically advised that all communication is in writing, so you will want to mail your letter and request their response in writing. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. (You can see your TransUnion and Equifax reports for free on Credit Karma .) Only Illinois is seeing a year-over-year increase at 10%. 6 0 obj Sometimes, they will remove the debt in exchange for a settlement. /Width 983 To get an Equifax business credit report, simply visit its website and purchase a single report for $99.95. However, the small business default index has decreased over the last seven months. Serious delinquency can adversely impact your credit score. Settlement of a debt for less than its full amount is separate from reporting of delinquencies or a charge-off. Even with marke [], As U.S. consumers continue to migrate their shopping habits toward online merchants and become more aware of point of sale financing alterna [], For our April 14 Market Pulse webinar, our panel of experts discussed the recent supply chain crisis, as well as, the latest economic update [], During our April 14 Market Pulse webinar, our panel of experts discussed details pertaining to the recent supply chain crisis, as well as, t []. Read Also: When Will Chapter 7 Bankruptcy Be Removed From Credit Report. Federal law gives you the right to one free credit report from each credit bureau each year. TransUnion does not share credit information with any other credit reporting company. Equifax Risk Score 609 Serious delinquency and public record or collection filed Time since delinquency is too recent or unknown Number of accounts with delinquency Medium Risk Region, Subprime Credit File Bankruptcy Navigator Index 230 Age of derogatory public records Average age of retail trades Number of recent inquiries 481YC00036 I do have a Discover account that was settled. Return to text. We only get paid if we win. Is there any way i can contact EQ and find out what account this alert is refering to? Years can pass until the situation gets back to normal, so make it your priority to stop the delinquency from progressing or to avoid it altogether. Serious delinquency, derogatory public record or collection filed: 22: 22: 22: Number of bank or national revolving accounts with balances: 23: n/a: 23: M6: Understand my Equifax credit report and score, Get a free copy of my Equifax credit report, Place or manage a freeze on my Equifax credit report, Dispute information on my Equifax credit report, Place or manage a fraud or active duty alert, Analyze Multi-Data Assets for Credit Risk, Improve Collections & Recovery Strategies, Verify Eligibility for Government Programs, Improve Marketing Strategies, Tactics & Results, Environmental, Social & Governance Priorities, Dispute information on your Equifax credit report, Other ways to get additional free credit reports, Sign up for active duty credit monitoring, Uncover potential fraud with 3-bureau credit monitoring and alerts, Feel more confident knowing that the dark web is being monitored for your Social Security Number, Help better protect up to 4 children by locking their Equifax credit report, Know where you stand with access to your 3-bureau credit scores and report, Help monitor your credit and Social Security number, Uncover potential fraud with credit monitoring and alerts, Help spot potential signs of ID theft with 3-bureau credit file monitoring, Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it, Uncover potential threats to your identity with dark web scanning and alerts, Receive alerts of key changes to your Equifax credit report, Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover, Know when key changes occur to your credit score and Equifax credit report with alerts, Easily lock your Equifax credit report and be alerted if an attempt to access it is blocked, Keep track of your financial progress with monthly VantageScore credit scores, Feel credit confident with monthly access to your Equifax credit report, Request and view your Equifax credit report, Place or manage a security freeze, fraud or active duty alert, Get the basics you need to stay on top of your credit, Value plans include 1-bureau credit score access, Equifax credit report lock, and alerts. 2023 Market Pulse Webinar, we explored the national and regional Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. They cannot be removed after two years, but the further in the past the late payments occurred, the less impact they will have on scores and lending decisions. However, you will likely need to wait at least several months following a delinquency before applying for new credit. Delinquent accounts may be reported for seven years after the date of the last scheduled payment before the account became delinquent. In that case, you can contact the institution or debt collector that reported the serious delinquency to the credit bureau. Creditors also consider multiple past-due payments. . E+N$I$_F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F5q)$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I#BlE| Texas, Georgia, and Florida have the highest projected default rate of over 2%. Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts. What Does Serious Delinquency Entail? Level of delinquency on accounts: 2, 2, 2. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. If you are wondering how to remove serious delinquency on your credit report and repair your credit, DoNotPay can help. This late fee is separate from the issue of having late payments on your credit reports. The rest of the industries are shown below. If youre negotiating with a collection agency on payment of a debt, consider making your part of the negotiations. As your delinquent status progresses, your regular interest rate is replaced with a much higher penalty rate, making it even harder to pay off. How to remove Delinquent Accounts & Collection Accounts from your Credit report. Our Sales Specialists will provide strategic guidance and match you to the best products and solutions. Once again, the final status shows that the first collection account is no longer active, but that status continues to appear as part of the accounts history. +~Ug#(}*~U!{Fo~v(? .qwxuw+C; a8\Y*lo1U| :Eo^yj 'G~ With the supportive policies of the pandemic mostly in the past, there are pockets of borrowers who are beginning to show some distress on their debt.Upticks in delinquency transition rates are visible in aggregate, as seen on pages 13 and 14 of the Quarterly Report on Household Debt and Credit.When we break these out by neighborhood income using borrower zip code, we observe that the . Most of the time, their origin is from a mistake caused by improper use of ones . $0 cost to you. Essentially, they can remove it from your credit report as an act of goodwill. Factor Description Equifax TransUnion Experian FICO Account payment history is too new to rate 7 7 7 A0 . -38 SERIOUS DELINQUENCY, AND PUBLIC RECORDS OR COLLECTION FILED (CODE 038) -13 TIME SINCE DELINQUENCY IS TO RECENT OR UNKOWN (CODE 013) -27 TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED (CODE 027) -04 LACK OF RECENT INSTALLMENT LOAN INFORMATION (CODE004) The numbers preceding each statement are numeric identifiers . Makdah further elaborated by mentioning that when looking at the ten largest states, New York has the largest decrease in delinquency at 56% and the smallest year-over-year decrease was 29% in North Carolina. On the letter, they'll list the bureau they pulled your credit report from (Equifax, TransUnion or Experian) as well as the risk factor reason codes for the risks you pose. Get better prepared to monitor your credit and help better protect your identity with Equifax Complete. . 6years 9months does match up to the date of the last payment on this discover card, so i am thinking that's what it is, but i have no way to prove it. You can make the dispute in writing, and the business is required to do an investigation just like the credit bureau. For more information on credit scoring, see the complete list of credit score factors. /Filter /FlateDecode If you have already paid off a debt or are making timely payments towards debt, you may be able to have it removed by requesting a "goodwill" removal. You can file online, by mail, or over the phone. The fact that is was settled tells me the account went to CO status and this is a serious thing in the eyes of Fico so yes its most likely triggering the info you see here. The Small Business Delinquency Index (SBDI) is designed to gauge small business financial stress and default risk at the national and state levels, including industry segmentation. Remove Serious Delinquency on Your Credit Report. Suppose you are requesting verification of debt, goodwill removal of debt, or trying to negotiate a pay-for-deletion of debt. Sometimes you can find contact information on your credit report, but otherwise, you may need to look at your bills or other mail from the institution or search for their information online. Dont Miss: How To Get Credit Report With Itin Number. Dont Miss: How Long Do Inquiries Last On Your Credit Report. In this case, youll need a more holistic approach to credit repair a way to develop better habits with your lenders so your score can increase organically. Interest payments could compensate lenders for borrowers' default risk, and so the 'XC1Z0;h *m>r>tGVxH}d>-Rs s_kQS ". The Fair Credit Reporting Act requires credit bureaus to correct or delete any information that cant be verified or that is incorrect or incomplete, typically within 30 days. You can find a recap of their conversation here. Ultimately, you move out and tell all of your friends what a horrible roommate they were, and your old roommates reputation is ruined. -7$&Yco/~y3zQo6|UF>!xbQ=P4#3 d3v}goen7f;3YeZ{?wcG~7>cS3(=+ J3zoLdxxed4JGFgT|d~U!c7}ec;~|D5ZA!tAAy'N$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I#{}-s\G-p} 9>*c&_Z(?S3~0*w]Psc]hEoZZu Or, they may outright deny your application. Borrowers with subprime auto loans typically pay high interest rates and frequently default on their loans. Atlanta, GA 30374. In this recap of our webinar, Small Business Insights: August 2021, Elaine Makdah, Senior Index Developer of Equifax, presents the latest economic trends and Equifax small business lending, delinquency, and default data - known as our Small Business Indices. 1 To help on your way to better credit, here are some strategies to get negative credit report information removed from your credit report. This second risk reason is very similar to . According to Equifax, the average cost of losing a tenant costs more than $66 per square . The most common example of a serious delinquency would be a late payment. Copyright 2023 Equifax, Inc. All rights reserved Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners. A credit report public record is the section on your credit report reserved for public records. I contacted them on Monday and was told to visit their website and go to the 'Online Dispute' page and log a request to have my address added. Handmade cards had the higher severe delinquency speed through to the Great Market meltdown. Set policy and review regulations against economic trends. You can access these free reports online at AnnualCreditReport.com or get a myEquifax account at equifax.com/personal/credit-report-services/free-credit-reports/ or call Equifax at . Removing negative information from your credit report can boost your credit score, but erasing things from your credit report isnt easy. 0 negative accounts on EQ report but this is showing up. If you have not been able to remove serious delinquencies from your credit report on your own, you may be able to go through a credit repair agency, but it is imperative that you research them carefully to choose a reputable, experienced company. You are entitled to free copies of your credit report from each bureau, so check each one carefully and verify all the information. ), we'll help you file a credit dispute to the creditor or major credit bureaus. Thomas J. Catalano. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 4 . So now you know four strategies for getting negative entries off your credit file. Here at Equifax, we produce the following Small Business Indices data: Next, Makdah further explained the different types of small business indices data produced at Equifax. The full webinar recording can be accessed by visiting Small Business Insights: August 2021, and you can download a copy of the presentation slides here. Such five variety of loans make up regarding the 95 percent out-of the borrowed funds frequency regarding condition. You can only remove the remark if it was incorrectly listed on your credit report. Dirty dishes might seem irrelevant to your credit reports, but what if the dirty dishes symbolized late credit card payments? Transportation had the largest decrease at 49% followed by retail and construction. Equifax - current address not listed. . with potentially serious consequences. 00038 - serious delinquency, and derogatory public record or collection filed. Index 230 Age of derogatory public records. It appears as an active account, showing that the debt collector bought the debt from the original creditor. What does a derogatory payment status mean? Small Business Delinquency Index measures the percentage of loans that are 31-90, 91-180, and 31-180 days delinquent. Some credit card issuers do a hard pull where an additional inquiry is placed on your credit report and factored into your credit score. All three state "serious delinquency", and individually also state "Time since delinquency too recent or unknown" and/or "level of delinquency on accounts". Remarks can be positive, negative or neutral, depending on the account and situation. Write to;Equifax, P.O. Box 740241. Then, the creditor is likely to charge off the debt. Take control with a one-stop credit monitoring and identity theft protection solution from Equifax. Read Also: Does Having More Credit Cards Help Your Credit Score. Falling into delinquency on loan payments may lead to defaulting on your loans, whether . Bankers consider mortgages 90 days late will . Recommended Reading: What Does Filing For Bankruptcy Do To Your Credit Score. Definition of Delinquency. A derogatory item is considered negative, and typically indicates a serious delinquency or late payments. File An Identity Theft Complaint With The FTC: You can file a formal identity theft complaint with the Federal Trade Commission through its online complaint form. Creditors report delinquent credit obligations to the credit reporting agencies, which add it to the consumer's files. Delinquencies aren't the same as late payments. Makdah continued with index values by state. Just a thought. Equifax creates several different business credit scores that are designed to predict how likely a business is to experience a severe delinquency, which means falling 91 days or more past due on an account, having an account charged off or filing for bankruptcy. If the court finds in favor of the creditor, the action will become a matter of . The penalty rate usually applies after 60 days of delinquency and remains in effect for six months. M7OGfveFp~!Zg.lk--P>wTF}`}*X~6+5}j CI27$)Or>!Y'LygIGg\q LdR=:M,X.|~UC?]?Gc_ Then they forget again and a few more dishes are added to the sink. If your credit reports have debt that does not belong to you or is incorrect, you can dispute it through the credit bureau(s) and request it be validated or removed. Inaccurate information may not be your credit scores only problem. No credit card required! Benchmark financial stress against national and regional trends by industry segment. You only have to give us the important information, and we handle everything by making the best case to help repair your credit. k;D9N$I$_F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F5q)$I$I$I$I$I$I$I$I$I8$| No credit card required! Time since delinquency is too recent or unknown. You can dispute inaccurate credit limits with the credit bureau or call your creditor to ask why your credit limit isnt reported accurately. On credit reports, late payments are broken down into several categories. Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans. However, you should expect to be charged a late fee if your payment is not delivered on time, even if youre only one day late. See tailored job recommendations based on your interests. If you are wondering how to remove serious delinquency on your credit report and repair your credit, DoNotPay can help. We have helped over 300,000 people with their problems. To get your free reports, go to AnnualCreditReport.com. Here are the top, most common negative score factors. Maybe like a previous poster stated, that FICO automatically assumes a "paid less than full amount" was a late payment. The largest industry delinquency decrease when compared to last year was transportation, followed by healthcare. If you find debt that is suspicious or does not belong to you, you should immediately dispute it through a debt validation request. If a collection agency is reporting an account as a different debt, include any paperwork showing that the two accounts are really the same debt. DoNotPay has a history of being fast, easy and successful. Help better protect your identity and stay on top of your credit. Fortunately, their impact will also diminish over time, even if they are still listed on the report. The more severe the delinquency, the larger the impact: A payment that's 60 days late is worse for your credit than one that's 30 days late, and 90 days late is even worse than that. Reviewed by. It is very important that you save and print this document, as it can . It is NextGen score code K0. There are three major credit bureaus that banks, insurance companies, rental agencies, and other institutions use, so it is important that you check each report. However, this does not influence our evaluations. /Subtype /Image This is the first year-over-year default decrease since 2018. Visit annualcreditreport.com to order or download a free credit report from each of the three major credit bureaus. Payments become delinquent when they are not received by the due date. California, New York, and Texas have the highest default rates. mV}2I$KF4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4Ic9\JI$I$I$I$I%K>ks22^*c&uFqQ? Also, how do you get out of delinquency? The data enable researchers to examine where residents live and move, their financial health, and their credit information, including Equifax Risk Scores (a type of credit score). If the debt is sold again to another collection agency, the status of the first collection account is changed to show that it was sold or transferred. 11 of the 18 industries Equifax tracks with small business default index had a decrease in year-over-year default rates. 00034 - amount owed on delinquent accounts. 9[?X2G!? >N aLgW#:lo*!O#7/Md G#7tf_x{~M7 /],k AEe?i$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$XWI$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$ss,op Gm=z5}C:`Dff[>*C&k7|?w{>Fc]hd6^hRJ;~gkQ[,S`Y}?GQR$)}~>)?A/k3>MAWY*!OKj C.Eo_NDFi "3t_EgQc}Fon \-x8pQmo/k);NI/F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4I$I$F4Ic9\JI$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$I$b{#oM\c%?wFO2 You already get penalized by having a serious delinquency on your credit report (risk reason 39). Serious Delinquency is recorded for up to 7 years on your credit report. Equifax TransUnion You can check your credit reports from all of the credit bureaus for free. If youre searching for credit repair answers, know that these things wont help fix your credit: Along with inaccurate information about you, that debt collectors may report to Experian, Equifax, and TransUnion, you should also lookout for signs of identity theft on your credit reports. % No credit card Required! Ask the collector to tell the bureaus to remove any negative information about the debt from your credit files. a !1AQa"q2B#$Rb34rC%Scs5&DTdEt6UeuF'Vfv7GWgw(8HXhx )9IYiy 43 states saw an increase in lending, led by Vermont at 25% and Montana with 24%. Help look after your family with credit monitoring and ID theft protection features. Small Business Default Index measures the percentage of loans and leases to small businesses that have defaulted, The Risk Insight Suite provides invaluable information and resources that help you make profitable decisions. Connect with our sales team and discover how this product can meet your business needs. Get free credit monitoring if you are an active duty military or National Guard member. /Filter /DCTDecode The chart below shows what the small business lending index year-over year change looked like for each state. When analyzing the 10 largest states, defaults are down year-over-year in nine states. Each derogatory mark will lower your credit score and make you less creditworthy, but some are more serious than others. Only 10 states continue to see year-over-year decreases in default rate. endstream You can dispute negative entries that are inaccurate, wait for the credit reporting time limit to pass , or try to get the information furnisher to remove the entry from your credit report with a pay for delete or goodwill offer. While serious delinquencies are rising, that is to be . If the debt really is too old to be reported, its time to write to the credit bureau to request its removal. stream Wait it out. BUT what happens in the cases where people use a debt consolidation company and they settle all the debts with them never going delinquent? You can also call, but you may not be able to complete your dispute over the phone. Video of the Day. Heres information for each bureau: Write to;Equifax, P.O. Card issuers may waive this fee if you call and ask nicely, explaining that the late payment was a fluke . The message says 'serious dliquency OR a derogatory indicator'. How do I fix a serious delinquency on my credit report? This will be off away from ninety five per cent in 2006. e., instead of an excellent scorable credit rating, before the Great Recession when you look at the . 705 - FICO Risk Score. this is driving me crazy. If your credit limits arent reported accurately, it can look like youve maxed out your credit card. discussed how you can focus on growth in the current economy. /Length 9 0 R Why this is important: If you can prove that the debt is older than legally allowed to show on your credit report, the bureau can remove it. To obtain your Experian or Equifax credit report, you must contact them directly. FTC's website on credit. Mail in forms to complete some services. Small businesses respond to changes in economic conditions more rapidly than large businesses. February 11, 2022. Jamie Bassaline has been part of Equifax since 2019. Sign up to receive updates on our latest Small Business Delinquency Index data. endobj . As you go through your credit report line by line, pay special attention to all the information, and make sure it is correct. cannot stay on your credit reports for more than 7 years. If you notice any errors in your report (we have a list of common errors you can use! >> allowing you to get caught up as opposed to really . Your credit report will become increasingly negative the longer the account remains in arrears. The credit reports might not be identical, so it's a good idea to know if the delinquency hasn . How long does it take a serious delinquency to get off your credit? Being delinquent refers to being in arrears on your financial obligation(s), such as: Although each creditors policies differ, most lenders will report a payment that is 30 days past the due date to the national credit bureaus (Experian, TransUnion and Equifax). This is listed as "serious delinquency and public record or collection filed.". Several non-profit credit counseling organizations, like the National Foundation for Credit Counseling , can help dispute inaccurate information on your credit report. Select your business application to login: Small Business Delinquency Index measures the percentage of loans that are 31-90, 91-180, and 31-180 days delinquent. No, late payments wont always show up on your credit reports. Flow into Serious Delinquency (90 days or more delinquent) Category 1: Q4 2021: Q4 2022: Mortgage Debt: 0.3%: 0.57%: Home Equity Line Of Credit . However, if you need a simple and effective way to dispute serious delinquencies on your credit report, DoNotPay can help. Other related, pertinent information, especially if it looks incorrect. . Dont let identity theft catch you off guard. A late payment, also known as a delinquency, will typically fall off your credit reports seven years from the original delinquency date.For example: If you had a 30-day late payment reported in June 2017 and bring the account current in July 2017, the late payment would drop off your reports in June 2024. Number of accounts with delinquency 18 18 18 18 18 18 Date of last inquiry too recent 19 19 19 19 19 Time since derogatory public record or collection is too short 20 20 20 20 20 20 Amount past due on accounts 21 21 21 21 21 21 Serious delinquency, derogatory public record or collection filed 22T 22T 22T 22T 22T
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