http://www.huffingtonpost.com/2011/01/05/honey-i-shrunk-the-credit-score_n_804105.html

"Steven Marks knew he was wasting thousands of dollars every month paying
the mortgage on a home he bought during the housing bubble that will never
be worth that much again.

But he'd read plenty of horror stories about people having serious trouble
modifying their mortgages due to bank confusion and misbehavior, so before
he started looking for debt relief on his Reno, Nev. home, Marks sent a
simple request to Bank of America: Could they tell him who owned his
mortgage? And could they document it?

Marks didn't get the type of response he was expecting. After initially
declining to tell him who owned his loan, Bank of America provided a form
letter with the name of the current investor a few weeks later. But they
also appear to have lowered his credit score, the preeminent measure of
creditworthiness that will principally determine his ability to obtain loans
in the future"


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