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In Response To:
Thread Starter: Anonymous
Title: Re: Adverse Action Help

Thank you! That makes perfect sense ("about the individual not the collateral").

So, if you use the standard AAN form which has the FCRA information preprinted on it, do you just cross it out or leave it blank? I know the pushback here is going to be "but there is a credit report in the file and the examiners will nail us if there is anything negative in the report, even if that didn't play in our decision."