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Many credit bureaus such as Experian, Equifax, and Transunion, use different indicators to assign your credit rating and many times the credit rating the dealer looks at is different from the one you see from the same bureaus listed on your credit report.
If someone threatens to garnish your wages, contact your employer, or uses threatening, intimidating, or offensive language, report such actions to state and federal regulators.
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By imposing limits on reborrowing while avoiding the complexity of the presumptions, this approach could provide a more flexible way to protect consumers whose borrowing patterns suggest that they may not have the ability to repay their loans.
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Such loans were once a replacement for a credit card but that's no longer the case.
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