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Hi i want to know if Puerto Rico and USA use the same law and score. 


i want to start helping some family get there score get better.. they got closed acounts,late payement. 


can i fix it with some sample letter from this website?  



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There is no single model for scoring.  Each lender uses their own model, often some variant of Fair Isaac modeling but some use internal algorithms. 


Just as every State has their own statutes, some of which have far more teeth than federal law, PR likely has its own provisions of law which you should become familiar with before sending out ANYTHING.  Do NOT look for cut-and-paste letters.  Tailor letters to YOUR situation.  Doing so not only keeps the focus on the specific matter but ALSO serves to ensure that the writer UNDERSTANDS the WHY of what they are doing...if you do not fully understand, then the problem is almost certainly bound to occur again...

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Your Puerto Rico credit cards should show on your credit reports the same way mainland accounts show.  Banco Popular used to have branches in California, but abandoned the market years ago.  My checking account was transferred to another California bank.  My Banco Popular (Popular Bank) credit card account they kept.  Statements are sent from PR.  Account shows on my credit reports like the rest.

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