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Guest Foxxy

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I am thinking about refinancing my home and a little concerned about approval.  My credit scores are 783,777,775, and I have 10 years of never missing a mortgage payment.  I do, however have  an unpaid collections ($2,079) and an unpaid charged off installment loan (1,200)...both passing the SOL for NC.  Will this keep me from getting approved?  Will they make me pay it off?

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