- Car, Truck, Van or Motorcycle loans
- Jet ski, boat, ATV or other vehicle loans
- Student Loans
- Personal Loan from Current Bank
- Any loan with house or land as collateral
- Child Support
- Back Taxes
- Speeding Tickets and/or Fines
- Current Cell Phones, bank rent (current residence), back utilities
- Current litigation accounts(<6 months)
- NSF Checks
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- NEWLY taken/high cash advances or balance transfers unless 3 or more payments have been made (case by case depending on amount and timing of the advance)
- AAFES, STAR or USAA cards (military)
- Car Repair bills
- Rent-a-Center bills
- Warranty Contracts
- Insurance Policies
- Check Cashing Establishments
- Any debt less then $500.00
- Attorney Fees
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