I'm a four-peat - send it out with an apology the file had been inadvertently misplaced. Also see if you can verify that any decision was communicated. If those are spotted without an explanation, the examiners will beat the bank up, like Dan mentioned.
It's another reason to track credit bureaus and match to applications/renewals, etc., besides looking for prescreening
Last edited by Rocky P; 03/23/17 02:42 PM. Reason: Capitalize the D in Dan's name.
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Integrity. With it, nothing else matters. Without it, nothing else matters.