I don't know where you are - but I used to work for a bank here in Toronto and the rule was that you had to be clean for at least 7 years and also you have to re-establish credit before going for a loan or mortgage - that means that you will have to use credit cards and/or store credits to increase your credit rating - don't know if that helps but good luck!
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Mario Amaral AKA: Hammerall
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Skype: Hammerall | ICQ: 190272140
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