Contesting credit blemishes

Why phone calls alone won't fix errors

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Credit is king. Don’t even think about that terrific interest rate — let alone that dreamy Craftsman home or upscale downtown condo — if your FICO is out of whack.

It seems that even veteran loan officers are being forced to ask you for the minutest of details before submitting your loan package to underwriting. "I only need two more pieces of information" can easily be a daily request with even the most complete files still drawing intense lender scrutiny.