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Enlightened Centrists
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this post was submitted on 02 May 2024
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But in my experience they won't. I've actually done that several times and it was fine. Even so, my credit rating is considered "Excellent" by all the bureaus.
I'm glad you didn't have to experience that.
It's still unethical to give people this advice without explaining possible risks. They very much can go after their money if they feel like it.