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  1. Recently opened up a joint bank account with another investor only to find out he has "adverse credit". I did obtain his credit report prior to doing so and his credit score was average. I did notice he had a couple of late payments back in 2013 but i didn't think anything off it. It recently come to light when my mortgage broker was trying to apply for a decision in principle in our joint names to find out he is being branded as "adverse credit". My broker advised me to close the bank account immediately and so i have done. The account was only active for about 12 days
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