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  • This is a total waste of time. I went to this web site and applied for a personal loan to consolidate my credit cards & to get some dental work done & to get new windows for my house. I am utilizing most of my available credit my sores are under 640 but higher than 615. I pay more than min/payment every month. So if I was to get the loan and paid off these credit cards my score would be over 700 but these dummies have no vision& are as bad as the banks..

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