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"Key Derogatory" on CR


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That's exactly what it sounds like--it is a majorly negative influencer on your credit. It only appears on the 3-in-1 merged reports as far as I can tell.

It shows up on my Experian only report. However, it looks like they may use the same template for the 3 in 1 report, because for every account it has an "advertisement" with blank columns for the other 2 encouraging you to buy the 3 in 1.

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