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Just out of curiosity, all those who are saying they have perfect credit, what do you base this on?
Your own assumptions, or you've actually ordered copies of your credit files?
You would not believe the amount of people who call me daily and I decline their requests for limit increases and they respond "But I have A1/perfect/spotless/impeccable credit" just because they assume they do.
"Sir, have you ordered a copy of your credit report?"
"Uh... no..."
"Well, I suggest you do so, and them make an opinion on your credit rating"
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