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Classic example for how much the bank employees know. Think how much damage can be done when one believes their knowledge and structure loans according to their suggestions.

I am not following this thread and after reading some posts I don't intend to follow it as well. I came to know about this credit ratings thing some time ago. And I have missed a number of utility bills and credit card payments in the past. Missed one last week as well. :D And I don't...