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Having a bad track record on your credit is not something that cuts you off from financial options if you need to refinance your debt. Getting a loan is not out of the question even if you are neck-deep in bills. Everyone faces financial hardships at some point. Emergencies usually come out of nowhere and they can kick the holy bejesus out of our credit cards, leavings us between the literal rock and a hard place. The decision between surviving for the next day with each dollar, or paying our...

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Have you ever applied for a loan though a bank or financial institute? Does that work positive or negative? Banks still covers the larger part of the loan market but with the development of the market there are various companies these days that are specialized in giving loans. As competition in the market has increased, these companies have taken over banks. Usually, people prefer to take mortgages from the bank they have been using for long. But if you look at the process then it is very time t...

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