Question

isCkRad indicator found but radUnderwriter is missing what does this mean?

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It has to do with your bank being able to approve an incoming delivery, such as a tax refund.

Contact your bank to see if there is a problem, perhaps your name on your tax return does not match the name on the account.

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What if it's an advance that's going to the same credit karma account as last year? Nothing has changed.

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