Question by dragonfly: How can this be illegal? Credit report alteration?
I'm currently in my mid 20's. I've been paying utilities, phone bills, and other bills on time each month. Never been late. I've always had great payment habits since I was 13 (got my first cell phone) with any bills.
To my shock, a year ago I was turned down for a car loan. Sorry to say, I didn't have thousands of dollars in cash to just plunk down on a car. I needed a loan which I can pay off, since everyone else
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