Finally,  let me say again, make sure you know how to do the work before selling this service unless you are going to use an outsource service 100%.  However, the goal is to still get certification and training first. You must learn how to develop strategies that will help your clients and not hurt them. These steps will protect the credit repair industry and keep this type of business lucrative. Again, I like the Credit Consultants Association (ccasite.org) for membership, certification, and startup basic training and support.

We are a family-owned credit repair firm that helps consumers improve their bad credit within the cities of Downey South Gate Lynwood Pico Rivera Los Angeles East Los Angeles Bellflower Paramount Cerritos Hawaiian Gardens La Habra Orange County Santa Ana Compton North Long Beach Seal Beach West Los Angeles. We also help consumers in the following cities Wilmington Brea Diamond Ba, Montclair Ontario Riverside Corona Inland Empire Hacienda Heights We help people with bad credit by removing, inaccurate, misleading, and outdated information from their credit reports. You see having bad credit when trying to purchase a car or apply for a home loan or even a car loan will make your chances of qualifying slim which is why we recommend never apply for credit when you have bad credit. Our proven credit repair system will promise you results within 30 45 days. Our credit specialist in Downey helps you remove collections charge offs late payments bankruptcies public records judgments and many more types of negative accounts that affect your credit scores.


The best parts of  Credit Letters Generator is that users can create complex letters,  their Quick Dispute System, Online portal for clients with a free mobile app. Also, their system is fully integrated with Letter Stream. This allows users to send letters via first-class and certified mail directly from their dashboards this is My favorite part. 
People all over the US are in search of credit debt relief, especially as credit debt continues to rise. In the last 5 years alone, consumer credit card debt has risen 20.69%. Furthermore, 15% of households report spending more than they earn each month and 43% of these households rely on borrowing or credit cards to fill the shortfall in their incomes. This means that thousands of families in the US are facing not only rising debt, but also the rising fees that come with not being able to pay off that debt each and every month.²
However, not everyone is able to pay off their debt without help. That’s why they turn to debt consolidation or other financial institutions for assistance. Another option is a debt management program, which is similar to debt consolidation, but without the loan. This program is administered by a nonprofit credit counseling agency, and combines your unsecured debts into one monthly payment. The credit counseling agency disburses your payment to your different creditors from there.
Dealing with student loans. If student loans are causing you problems, talk to your lender to see what options you may have. You may, for example, be able to arrange for a better payment plan that works within your budget. The options available to you will depend on the type of loan you have. You can find more information on student loan forgiveness online.
There is one exception to that rule… If you default on a federal student loan and then bring it current, any negative actions from the late payments disappear. But for all other debts, charge-offs are usually sold to collections, which creates ANOTHER trouble space that causes issues for 7 years. So, letting a debt slip into default is almost a double or triple whammy to your game.
Distributive bargaining is a competitive bargaining strategy in which one party gains only if the other party loses something. It is used as a negotiation strategy to distribute fixed resources such as money, resources, assets, etc. between both the parties. Description: Distributive bargaining is also known as zero-sum negotiations because the assets or the resources which need to be distribut

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Ever since he began practicing law over 20 years ago, Charles W. Price, has been educating people about how to successfully repair their credit using the provisions of federal and Florida state laws. His personal experience with bankruptcy as well as his priority to keep current as the law changes enables him to effectively help his clients improve their financial futures. To speak with him about your current situation, please do not hesitate to contact the Price Law Firm today to schedule a free, confidential consultation.
For some, a good way to get a handle on their debt is to get it all in one place through a debt consolidation loan. Keep reading to learn more about debt consolidation, or skip ahead to find reviews of our top companies for best debt consolidation loans. We’ll define exactly what debt consolidation loans are, how the process works, review some of our favorite companies, and also provide some bad credit approval tips.
Negative information on your credit report can lower your credit scores. That information remains on your credit report for a set period of time. For example, late payments appear for seven years from the date you first missed a payment. Paying off a collection account won't immediately remove it from your credit report. Bankruptcies can remain on your report for seven to ten years, depending on the type of bankruptcy. The good news is, all negative information will eventually cycle off your credit report. Until it does, focus on the things you can positively influence, including paying all your bills on time.
To illustrate: If you transfer $2,000 from three different cards to a single card with a $10,000 limit, and then close the three original card accounts, you’ll end up with a $6,000 balance on the one new card. This exceeds the recommended maximum of 30 percent of the credit limit, which in this case is $3,000. However, if you keep those original three accounts open—while ceasing to use them—you would have a $6,000 balance on $40,000 of available credit (assuming all accounts have $10,000 limits). This gives you a much lower credit utilization ratio. Also, remember that long-standing accounts with positive payment histories favorably affect your credit score, even if you no longer use those cards.
Even if you do end up with some credit score damage, the effects may not be quite as drastic as you think. Any negative items will remain on your credit report for seven years. However, the “weight” of those penalties on your credit scores will decrease over time. In other words, the effect of a debt settled last year will be more significant that one settled five years ago.

However, it’s caveat emptor when shopping for a credit restoration company to help you, as you’ll want to find one that operates legally, ethically, in accordance with all state and federal laws, and follows the best practices of the industry. You’ll find that Blue Water Credit – Credit Repair Agency is one such firm, with thousands of happy consumers who now have new, improved credit scores thanks to the credit restoration process.


Many 401(k) plans will let you borrow against your retirement savings at relatively low interest, and you pay that interest to yourself. But if you quit your job or get fired, the entire 401(k) loan becomes due immediately, and there’s a 10 percent penalty added if you fail to repay and you’re under age 59.5. It’s also worth considering that you’ll lose out on anything your investments could have earned if you left them in the 401(k).

While there are no requirements for credit repair specialists, the FTC indirectly regulates these businesses by ensuring that they don’t market themselves falsely. Qualified professionals are also properly educated and trained in their field. Professional organizations and associations provide training classes, and the best credit repair services hire specialists with relevant educational backgrounds (such as accounting or finance).
Their scam is simple. First, they draw you in by promising that they’ll be able to eliminate your debt extremely quickly and with a great deal of certainty, often at very little cost or with no real effort from you. These types of claims are almost impossible to consistently deliver on, and most reputable debt consolidation companies would never make these types of guarantees. Still, individuals in debt are desperate for accessible options, so they take the bait all too often.
Our last tip for fast credit repair that we are going to talk about is about removing any financial dependencies with individuals with poor credit. If you are currently tied by a car loan, mortgage, credit card, or any other line of credit with an individual that has poor credit, this can most certainly impact your credit score. On top of this, if you are planning on co-signing or being a guarantor for an individual, both will impair your credit score as well. It has been proven by financial experts and gurus that, through cutting any bad financial connections with other people, it can be one of the fastest ways of credit repair. We do advise to make this decision carefully as it can easily cause turmoil between two people.

It simplifies your finances. Debt consolidation loans combine multiple debts into one monthly payment. The loans have fixed rates and a set repayment term, so your monthly payments stay the same and you know when the debt will be paid off. Credit card rates are variable, so your monthly payments differ, depending on your balance, and it’s hard to know when your debts will be paid off.


There are four other popular options that you could discuss with your creditors. The first is to have your interest rates reduced. If you have high interest debts of, say, 15% or higher and could get them reduced to maybe 12%, you would end up with much lower monthly payments, which could make it possible for you to meet your obligations. A second option worth discussing would be a timeout period of two or three months during which you would no longer be required to make any payments. This would give you time to get your finances reorganized and to save money that might allow you to catch up on your payments. A third possibility would be to have some or all of your credit card debts converted into repayment programs. You would likely be required to give up your credit cards but in turn you would have fixed payments for a fixed amount of time after which you would be completely debt-free.
If staying at a 30% credit utilization ratio mark is difficult for you, there is always the possibility of having your credit limit increased. If you have a good payment history and have improved your credit since opening the account, most creditors will consider increasing your maximum. This quickly improves your credit utilization and can raise your score.
Credit.org was founded as a nonprofit credit counseling agency under the umbrella of the National Foundation for Credit Counseling (NFCC). The company has now grown into a leading debt relief and financial education company. Today, with a goal of supplying Americans the help they need to solve their debt problems, credit.org continues to use well-trained, specialized coaches to help consumers answer credit questions and solve credit problems.
Here is where it all comes together! Rapid rescoring can raise your credit scores quickly and help you siginificantly for quick credit repair. Many of the tactics on this list are highly effective but can take 30 days or more to actually reflect in your credit score. But a consumer can utilize a Rapid Rescore in order to speed up that recalculation of their credit – and raise their score within just days or a week. With a Rapid Rescore, the credit bureaus simply recompute your score immediately, instead of at the next natural cycle date. Therefore, if you’ve paid down debt, added yourself as an authorized user, deleted collections, or added new positive tradelines, it will show up post haste. A Rapid Rescore is invaluable if you’re applying for a business loan, trying to get approved for a mortgage so you can make an offer on a house, or just trying to clean up your credit before a potential employer checks your report. However, you’ll want to enlist some help to take advantage of a Rapid Rescore, so contact fast credit repair services from Blue Water Credit if you’d like more information or help with any of these tactics!
Federal student loans are another story. It’s extremely difficult, to reach a debt settlement. If you have defaulted, the government allows a collection agency to accept a lump-sum payment under three conditions: A) You pay the balance of the loan and interest, but not the collection agency charge; B) You pay the principal plus half the unpaid interest; or C) You pay 90% of the remaining principal and interest.

Tier 1 Credit Repair‘s knowledgeable and friendly staff is well educated in all matters that concern credit as well as all the laws and nuances that come with battling unjust accountability. Their network of lawyers and other finance professionals guide their work, providing them with the ins and outs of credit law. Everyone deserves an accurate, fair depiction of their credit score, and they are here to provide you with one. Many scores are plagued by inaccuracies, questionable claims, and outright lies. With their help you can learn which of the lines on your credit score represent untruths and watch as they correct them, line-by-line.
Be Persistent. Become more insistent, but not more threatening, with each dispute. Make sure your letters are clear and to the point. Remember, an employee at one of the credit bureaus has about 4 minutes to enter the dispute into the computer for analysis by e-Oscar. And if you call the company, this resets the clock on how long they have to get back to you. If you are on day 29 of the 30 days they have to get back to you and you call, the clock resets and they have 30 more days because you provided them with more information.

Fractional reserve banking has resulted in a transfer of wealth from the holders of currency to investors. Under fractional reserve banking the money supply is allowed to be increased whenever new interest-bearing loans are issued and is often constrained by a reserve ratio, which mandates that banks hold a portion of the wealth they lend out at interest in the form of real reserves. Many nations are in the process of eliminating reserve ratios.

Why this credit card is one of the best: This card is firmly in the luxury travel category, with benefits like access to the Global Lounge Collection, up to a $200 airline fee credit and Fine Hotels & Resorts perks. Flights booked directly with airlines or American Express Travel earn five Membership Rewards points per dollar. Hotels booked through amextravel.com also earn five points per dollar. Those features help balance out the $550 annual fee.
Every credit card delivers value in its own way, through its own unique combination of features. And there are trade-offs involved. If you want rewards, for example, you'll probably have to accept a higher interest rate. If you want high-value perks, you'll likely pay an annual fee. If you want a low interest rate and no fees, you shouldn't expect much else from the card. In other words, you're unlikely to find a single card that offers a high rewards rate, a long 0% period, a rock-bottom ongoing interest rate, generous perks and no annual fee.
There are 5 primary options for debt relief. You may read about others but all of them will fall under one of these 5. These are developed through the combined efforts of the federal government, lending institutions, non profit organizations, individual debtors and credit card companies. Any of these will lead you to a debt free life but they have various effects on your finances, credit report and history. You need to approach each one with caution and careful analysis.

As I stated in the beginning, you also should want to be a member of non-profit organizations that police the credit repair industry and ensure that their members maintain standards. In my research, the public does not trust certification that comes from credit repair software companies or individuals: they ONLY respect certificates from an industry trade association.


You can ask someone to add you as an authorized user on a credit card. Your credit benefits just from being on the account; you don’t have to make any charges or access the account. A few cards allow primary cardholders to set spending limits for authorized users, which could make the account holder feel more comfortable about adding you. You could also ask someone to add you without actually giving you a card or card number.
If you find yourself laboring under a huge load of credit card bills, do not despair. There are programs and companies that exist that could help you recover. You have a lot of options to choose from but the most important thing is to understand your current situation. But you also need to know your options and what your next step should be. Plus, you need to understand what not to do with your credit card debt.
Generally, yes. Its site uses industry-standard SSL certificates to protect any data you enter online. Once Consolidated Credit has your information, only its employees and service agents have access to it. It only shares sensitive personal information like your Social Security number with third parties if it’s legally required to. And it only shares those details with your creditors when negotiating your debt and other service providers involved in the debt management process.
CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants’ credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Another reason to start your own credit repair business is that you can set your own price based on your services. We recommend that you determine the type of assistance you will provide and base your fee on that. You can either choose a pricing method such as a monthly service fee or pay per deletion. You will have the freedom to work anywhere in the world because you will be what we call an online credit repair internet company. You don’t even need a physical office to get started as most consumers are now familiar with doing business online without meeting in person.
Some lenders will offer consolidation loans to those with lower minimum credit scores. A score of less than 640 typically disqualifies you from commercial bank loans, but some lenders will approve loans for borrowers with scores under 600. Keep in mind, that lending is about risk and the bigger risk you are, the more interest the lender will want you to pay.
The impact of workout arrangements and credit card debt management programs is usually neutral or positive. These solutions help you avoid missed payments and build a positive credit history.  Most credit users don’t see any damage to their credit using these solutions. However, these methods will close the accounts. This can have a slight negative effect on your credit, but the damage is usually nominal.
Opening new credit card accounts, or even just applying for them, can affect your credit scores. Increasing the amount of credit you have available could improve your credit utilization ratio, but only if you have the self-discipline to pay your bills each month. What's more, every credit card application you make will appear as a hard inquiry on your credit report, and too many hard inquiries in a short amount of time can negatively affect your credit scores. A lender may also see multiple credit card applications within a short period of time and interpret that as a sign you're in financial hot water and are using credit to stay afloat, or live beyond your means. Lenders generally want to be certain you're not in danger of overextending yourself financially before agreeing to extend you additional credit.
We really appreciate that credit.org has so much to offer at no charge. And, for many consumers, some knowledgeable, friendly coaching may be all they need for debt relief - to identify the best steps to take next and the ideal resources to get them there. Plus, credit.org's fantastic reputation over nearly 5 decades is a huge advantage in an industry where it seems like some new financial or debt service is always popping up. For their wide range of services, including free coaching for consumers, credit.org earns very high marks and is worth your consideration.

If you decide that you absolutely must risk taking a payday loan, be aware that this is the home base for predatory lenders. The interest rates of $15 on every $100 loaned work out to 399% APR, as opposed to the 25%-35% charged on high-interest credit cards. Also, if you can’t repay the loan in the typical period of two weeks, you could get talked into “rolling over” the loan for another two weeks, which means more interest and fees for a loan you already can’t afford to repay. In short, using payday loans to try and get out of debt, actually can put you deeper in debt.
In general, you can borrow up to 50% of the vested account balance in a 401(k) plan, for a maximum of $50,000, as long as you pay the loan back within five years and make payments, including both principal and interest, at least every quarter (some plans may have a different payment schedule). For those with a vested balance of less than $10,000, you can borrow against the full amount, up to $10,000. Interest rates and fees vary, but may include a setup fee and a quarterly maintenance fee.

At Restorations, we believe no one should have to choose between “pretty” and “performance”. That’s why we have gone beyond basic. Our windows incorporate special design elements that emulate the sophisticated styling of wood windows, with dozens of decorative options, and all the elements necessary to deliver maximum efficiency. Superior form and function. The best of both worlds.
When you have balances on several different credit cards, paying them off can be a long, challenging process. It's hard to make progress paying off your debt when you have to split your payments between say, seven different accounts. Wouldn't it be easier to just pay one bill and take care of all your credit card debt? You can consolidate debt by combining your debt payments and pay off your debt quicker. There are several different ways you can consolidate debt on your own without paying a debt consolidation company.
To illustrate: If you transfer $2,000 from three different cards to a single card with a $10,000 limit, and then close the three original card accounts, you’ll end up with a $6,000 balance on the one new card. This exceeds the recommended maximum of 30 percent of the credit limit, which in this case is $3,000. However, if you keep those original three accounts open—while ceasing to use them—you would have a $6,000 balance on $40,000 of available credit (assuming all accounts have $10,000 limits). This gives you a much lower credit utilization ratio. Also, remember that long-standing accounts with positive payment histories favorably affect your credit score, even if you no longer use those cards.
Unsecured debt -- what you owe on credit cards, personal loans and student loans – doesn’t use collateral so there is nothing for the lender to take back. They might, however, sue and try to garnish your wages if you default. The downside of unsecured debt is the interest rate. A loan without collateral represents a bigger risk to lenders than one with collateral, so the interest rate is almost always higher.
The easiest way to clean your cards is by using the same technique you use for your hands: soap and warm water. Like washing your hands, you should lightly rub for at least 20 seconds. You can sing “Happy Birthday” twice through, or get more creative — Dolly Parton’s “Jolene” has a chorus that lasts 20 seconds, as does Beyonce’s “Love on Top.” I’m a fan of using the chorus to the song “My Shot” from Hamilton.

Yes, you can earn a good living by helping others. To do well in this industry, you have to get good at marketing, lead generation, and nurturing your current customers. The possibility of earning more every month is just like any new business. You have to find the customers. Therefore, we recommend that you take baby steps and add one customer at a time until you reach your goals. Acquiring customers is not as hard as you may think if you have the right skill set when it comes to lead generation. We offer this to you for free.


If you know your current credit cards' APRs, it should be simple to identify a new credit card that offers both (1) a lower APR and (2) an ability to transfer existing balances. If you can earn approval for a new credit card that meets both conditions, you will want to ask the card issuer about any fees associated with a balance transfer: sometimes fees are based on the number of balances you transfer while other fees may be based on the dollar amount of the balances that you transfer. Understand what your particular balance transfer strategy will cost you before you commit to consolidating your debt through a balance transfer.
The best credit repair companies offer consumers an easy way to fix bad credit and raise credit scores. Below are the top credit repair services based on BBB ratings and reviews by the BadCredit.org staff. Each service queries major credit bureaus to get your current FICO score and credit report, helps identify which items on your credit history need fixed, and takes action on your behalf to improve your credit:
Even if you do end up with some credit score damage, the effects may not be quite as drastic as you think. Any negative items will remain on your credit report for seven years. However, the “weight” of those penalties on your credit scores will decrease over time. In other words, the effect of a debt settled last year will be more significant that one settled five years ago.
Low rates. Debt consolidation loans typically have a lower interest rate than most credit cards. This is important because the lower the interest rate, the less money you are spending on interest charges and the more money you can be saving. More of your monthly payment is actually going towards the balance. When you make minimum payments on your credit cards, you’ll notice that your balance goes down the smallest amount and there’s no certainty as to when your card will be paid off. With a debt consolidation loan, though, you’ll have the ability to know exactly how much of your payment is going towards your balance as well as a defined pay-off date.
Born out of Consolidated Credit’s Financial Literacy in the Workplace Program, KOFE is a financial wellness program that helps businesses, financial institutions, government agencies and nonprofit organizations support their employees and members to build financial literacy through a 3-pronged approach of self-learning, classroom education and one-on-one financial coaching with certified credit counselors.

No matter where your credit is to begin with, debt consolidation may have an effect on your credit rating. It’s not uncommon for your credit score to dip down when starting a consolidation program. This would be concerning for anyone, but can be especially scary if you already have poor credit. Fortunately, the initial drop in your credit score can, and should recover over time as you implement and maintain good financial habits.

I am recommending the CCA,  The Credit Consultants Association, Inc.  I have no affiliations with them, but I like their low-cost program and mission. Additionally, their startup credit repair training material is in-depth.  They are a non-profit trade association offering credit repair certification, membership, and they provide excellent self-paced thorough basic/advanced training.
All information about Bank of America Cards, Chase Sapphire Preferred® Card, Capital One® QuicksilverOne® Cash Rewards Credit Card, Capital One® Savor® Cash Rewards Credit Card Ink Business UnlimitedSM Credit Card, Citi Simplicity® Card, Capital One® Platinum Credit Card, Capital One® Spark® Cash for Business, Capital One® Venture® Rewards Credit Card, Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® VentureOne® Rewards Credit Card, Wells Fargo Propel American Express® card and Wells Fargo Platinum card have been collected independently by CreditCards.com and has not been reviewed by the issuer.
Learn critical points of the CROA, the FCRA and the FACTA laws. The complete texts are included in the CCRS™ Independent Study Guide (ISG). Also learn what a credit report review/repairer is and what they do. Discover if your profession is among those on the list of who need CEUs available to those enrolling and completing this exciting and beneficial program. Are among the types of professionals who may benefit from the enhancement to your experience with the CCRS™ training? If you said yes, please read on.
Debt management plan — A DMP focuses on eliminating your debt. You'll have to deposit money each month with a credit counselor who will then use the money to pay your unsecured bills according to a payment schedule the counselor works out with you and your creditors. Creditors may agree to lower interest rates or waive certain fees, but they're not obligated to do so.
Although the interest rate and monthly payment may be lower on a debt consolidation loan, it's important to pay attention to the payment schedule. Longer payment schedules mean paying more in the long run. If you who consider consolidation loans, speak to your credit card issuer(s) to find out how long it will take to pay off debts at their current interest rate and compare that to the potential new loan.
Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. To order, visit annualcreditreport.com, or call 1-877-322-8228. You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.
When repairing your credit, it’s possible to go it alone, searching through your reports line by line for incorrect information and then filing disputes on your own. It can be far less of a headache to hire a credit repair company to do all the legwork for you. Find out why it can be advantageous to hire professional credit repair service, and how legitimate companies go the extra mile to fix your credit report.
Most cards earn one point for every dollar spent, but some credit cards offer a higher rate of earning for bonus categories like travel, gas, groceries and dining. You’ll earn the most rewards if you choose a card with bonus categories that match where you spend the most. Rewards cards usually redeem rewards at a value of 1 cent per point, but rewards valuations can vary depending on the program and type of card.
Debt settlement requires that you be behind on your payments to qualify. There’s also no guarantee your creditors and debt collectors will accept the settlement offer. You may or may not receive a refund if the settlement isn’t successful. Keep in mind, also, that the average settlement percentage is 78%, according to the American Fair Credit Council. When you consider that you might have to pay taxes on the forgiven debt, this might not equate to much savings.
If you are in debt, you probably need to get debt help to get yourself debt free and back on solid financial footing. Bills.com can help you evaluate your debt help options, from debt consolidation loans to credit counseling to debt resolution. Many people let debt pile up and do not get aggressive about getting debt free. If you really want to get your finances back in order and your creditors off your back, you need to:
Chapter 7 bankruptcy is a way to receive relief for all or some of your unsecured debts. You’ll have to pass a means test and go through credit counseling to show that you don’t make enough money to pay off your debt on your own. Depending on your state’s law, you may have to give up your assets to pay off some of your debt. This includes your home or car if you have equity. Most of your unsecured debt can be wiped out or discharged in bankruptcy. However, child support, tax debts, and student loans can’t be voided.
The rewards you earn on your card are stored in a rewards account that you can access when you log into your card account online or, often, from the issuer's mobile app. Some issuers credit your rewards account for a purchase almost immediately. In other cases, your rewards account will update when your billing cycle closes and the issuer prepares your credit card statement, so it can take several weeks for rewards from any particular purchase to show up in your account.
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Online Debt Consolidation Lenders. These businesses will pay off your debts, consolidating what you owe into a single payment which you repay, usually on a monthly basis. Like banks, online debt consolidation lenders typically use a risk model to decide whether to accept you as a customer and how much interest to charge. Usually, they’ll offer several options for consolidating with a bad credit history. The loan amounts vary from $1,000 to as much as $50,000 with repayment terms of 3-5 years. The interest rates typically are very high – 25%-35% -- for people with bad credit.
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