I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

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