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A client of mine was so complacent about his credit standing. He was paying loans on time. And most were already paid a long time ago. When his business faced an emergency a few years back, he called me up to ask for help in preparing the documents the bank needed. When everything was prepared and ready to be submitted, we got a notice from the bank saying that my client had a bad credit report. We were shocked to hear it because I, myself, know how religiously my client pays for all his obligations. When we investigated, it turned out a credit card he was not using for so long now was the culprit. The bills were being sent to his old address and he was already being sued by the company.
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