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He expected a clean slate, a boring list of on-time utilities. Instead, the screen blinked to life with a 540 score and a mountain of red flags.

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Marcus didn't panic; he got to work. He spent the next four hours highlighted every line of the 30-page document. He saw the subtle clues: a mailing address change from two years ago he hadn't authorized and a "hard inquiry" from a jewelry store he’d never stepped foot in. He expected a clean slate, a boring list