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The Magic;
3.) We had the clients pay off both cards and ask their card anks to suspend any autopays for about 10 days, while we had the credit agency pull "supplemental reports" (which are account-specific targeted credit pulls,) showing the zero balances.

As I said, my best wholesale source doesn't allow paying off revolving debt to qualify. One must present a credit report with the zero balances already in place. Therefore, one must stop using credit for a while to definitivelyi allow this to happen. If one isn't too concerned with pricing (of the loan), then do whatever.
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