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  1. I see posts every week wherein a CBer laments over their INQs after allegedly being denied credit for having too many HPs. I say "allegedly" because this is almost never the real reason. It's just the "on-the-record" or "official" reason the lender slaps onto the AA (adverse action) Letter to explain the decision -- a decision based entirely upon different info that isn't listed in their drop-down menu of excuses reasons. I think of it like the world of dating. When s/he says, "It's not you...it's me," that's my cue to read between the lines and take a hard look at reality. When a lender s
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