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Thanks Kevin - I wasn't sure if I was legally "entitled" to a basic bank account, and was worried about lowering my credit score further by applying a...

Thank you for your suggestion - I was able to get my full credit report via MSE and as you suggested, it was a default notice date. I did see that it ...

Thanks for the speedy response - clears my head a bit, thought I'd ask some theoretical questions to make sure I understood exactly what my position w...