If you are not an AAC please contact your Agency servicing Personnel Office. a follow-up call This call was made using a New Mexico area code of 575. Catching up on past-due bills. They are scammers! Again my number is 209-563-1374 and anyone can help you out here in case Im busy. Some people even got sued by their creditors, or were forced into bankruptcy. I called an cancelled the the card. Reviews and Savings Pal is a blog giving my honest product reviews. Eligibility: Applicants must be U.S citizens and permanent residents in a rural area. DEADLINE. #microinfluencer #blogger But in many cases, unscrupulous people are behind these calls. BBB aproved. For an even shorter-term solution, you could talk to your bank or credit union about its hardship programs or download a reputable app that allows you to advance your next paycheck. Find how to get rid of your Debt quickly and easily. We wont post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. Yes No -1, Official video from the United States Federal Trade Commission, Issued by Peerless Network of Pennsylvania, Llc - Pa. As a courtesy to users, we typically review requests within 7-14 days and only remove requests with a valid reason. Hardship Assistance Loan - Hurricane Ian. Motorcycle Loans. The payment might not get to your credit card company on time. The best-known specialties of the region are beurre blanc, rillettes du Mans, rillons, diableries, Lou poultry, muscatel sausages, rillauds d'Anjou, mogettes de Vende, tourangelle soup. In response to: Senior Citizen in Maryland. These loans do not have an origination fee. Thats illegal. Corporate headquarters. The repayment terms are between 12 and 84 months for members and up to 60 months for non-members. Client Login; Espaol; . Why can't the government do something about all of these calls? Borrowers may visit the Home Loans Information page, or call toll free -1-877-827-3702 to speak with a VA Loan Technician. To avoid late charges, including interest and other fees, you'll need to take action within 30 days of receiving your bill. You could receive a phone call from con artists claiming they can reduce a part of your loan balance or give you complete forgiveness on your student loan. Are they a scam? Steel Stud Manufacturers, The call-back number that is given is also a Northern California area code. Although I have NoMoRobo protecting my land line and an app protecting my cell phone, I look up the phone numbers of telemarketers that were blocked and call them back to collect intelligence for reporting back to the FTC complaint site. I was told I may get some or all my money back. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers. 209-563-1374 Hardship loan phone call 2 a follow up Hey it's Marcus following up again with the financial hardship department. Now youre just a few signatures away from receiving your funds and beginning repayment. Step 3 Call the credit provider and request a financial hardship arrangement or send a letter requesting financial hardship. All Other Questions National Organization for Rare Disorders (NORD) NORD provides a number for which you call to apply for funds to help with COVID-19 hardships. Make smart shopping decisions, know your rights, and solve problems when you shop or donate to charity. Lenders of hardship loans, though, might be willing to factor in your banking history if your credit or income have been affected by your current hardship. HOW TO APPLY. (Select Your Debt Amount Below) $21,000 $1,000 $100,000 Continue or Talk to a Friendly Debt Consultant 877-505-3535 As seen on: How it Works As Easy As 1-2-3, Debt Relief Made Easy This type of scheme relies on a scare tactic to intimidate targets, with the malicious party hoping the victim will panic and expose their personal information to make a payment because they think they are behind on a payment or not aware of how loan payments work. Though the specifics may vary from case to case, these loans generally feature consumer-friendly terms: Loan amounts ranging from $500 to. You can also contact one of the three nationwide credit bureaus ( Experian, Equifax or TransUnion) to place a fraud alert on your reports. Evidence shows that among young adults (under the age of 40), debt from student loans is associated with the likelihood of having other types of debt, and the total debt among college-educated young households is nearly twice that of their counterparts . Financial Hardship Loans? Id have to say its a phishing scam. Rationale. We wont post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups. If you would like a product reviewed or have any questions send me an email via the contact link. She wants to know how the lawsuits blocking the relief are affecting the groups' members. Basic living costs, like shelter, food and transportation, Bills for necessary expenses like health care, Other expenditures that couldnt be planned for or avoided, Education expenses, like tuition or room and board, Costs related to purchasing or repairing a home (excluding mortgage payments), Costs related to preventing eviction or foreclosure. If your hardship is declined, there's the national debt helpline that you may be able to seek review from to work out next steps. All eligible districts under the legislation will receive a grant award. Hardship programs vary from place to place, so get in touch with your financial institution if youre having trouble making loan payments or keeping up with your credit card balance. Before COVID-19, there was really no such thing as a personal loan specifically meant for people experiencing hardship. budgeting, personal finance, Saving Money How to Get Financial Hardship Help In 2019, it was reported that nearly one-fifth of working adults in the U.S. had no money set aside to cover unexpected expenses. Hope this information helps y'all. Other Financial Assistance. Applying with a creditworthy co-applicant or cosigner could also help. We have several options available to help you. Like with other financing options, hardship loans can positively or negatively impact your credit report. The FTC has a list of cases that are providing refunds. Along with anything else I find worth sharing. They have all my information including SS# without my saying anything. We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. Located on the sixth floor of the palazzo, the unit can be reached either via elevator or staircase and is made up of a spacious living area, three bedrooms and two bathrooms. HE call himself Brett, he wants to help me get rid of student loan. To participate in the COVID-VAPCP program, the following requirements must be met: You must have a VA-guaranteed loan. If you spot one, tell the FTC. Otherwise, you might rely on alternatives, such as 401(k) loans or home equity loans. NEED TO SAVE SOME CASH? Copyright 2016. If you have a person near you when they call (preferably a male with a gruff or stern sounding voice.) The first step is to determine if your Felix National loan is owned by Fannie Mae. A hardship loan is a type of financing designed to help those in a financial crisis caused by an emergency expense or a shortage of earnings. Cooperative Extension Service. Pros of US Bank: No origination fee Financial hardship scam 1 (641)862-2731 press 0 then 5 and then someone will answer the phone and pretend to transfer you for 5 seconds then you get to the scam comment sorted by Best Top New Controversial Q&A Bluethundersmoke Additional comment actions Also 563 774 4458 , just got called More posts from r/ScamNumbers subscribers Landon_Tech The fee can be anywhere from 1-5% of the loan amount. The full number is 575-205-5404. In addition, consider the tips and resources below if you need help managing a financial hardship. Postal Inspection Service . receive 3-4 calls a day from this company. SUN PRAIRIE, Wis. (WMTV) - A new scam is trying to take advantage of small business owners . Phone: 513.794.6100. If you send a message outside these hours a financial counsellor will get back to you. We may routinely use these records as described in the FTCsPrivacy Act system notices. I also get the ones that tell me the IRS is coming to arrest me for some infraction or other, & to top it all off, I get them in Chinese (which I am not). The APR is between 7.5 and 20%. I tried calling the number back but I am told that its not a working number. SBA Paycheck Protection Program Loans: Click here for up-to-date information about loan applications. FINANCIAL HARDSHIP CENTER. If you need assistance, please call 1-800-375-2235 or 850-474-0970 ext. 209-563-1374. Rates are current as of January 2023 unless otherwise . This is what they said . APRs are heavily impacted by your credit history, so bad-credit applicants may only qualify for personal loans with high APRs. Caller name: Financial Hardship Loan. I called National Debit Relief and they returned my call, we talked over my credit card situation, we were considered to be hardship case, half hour later they returned my call saying we were accepted into their program and next few days to sent them a certain amount of money on a monthly basis and we would be debit free in .24-48 months, i signed papers to start the process then a legal paper from attorney shows up to sign for a fee of $12 per month which is included in the monthly fee already set. A financial hardship is one where an individual's inability to meet their financial obligation causes a situation where foreclosures or the repossession of property may take place. #socialinfluencer Learn about getting and using credit, borrowing money, and managing debt. The helpline is open Monday to Friday, 9:30am to 4:30pm. Was this comment helpful? #nanoinfluencer If you're a victim of online loan fraud, file a complaint with the FBI's Internet Crime Complaint Center. If youre eligible for an emergency assistance program, you may qualify for help when it comes to paying your mortgage, personal loan, auto loan or even credit card. While the interest rates on federal student loans are still on pause, theres still questions about how theyll be handled when the interest rates return. Have you heard anything bad about christian debt counselors? Read about different ways to. Marcus also never states which company they are with just the hardship department. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. There are a wide variety of financial services and programs available in Pennsylvania that can help with paying bills, utility, mortgage, and rent payments, improving credit worthiness, retirement planning, and more. Dallas, TX 75208. clc@bcloftexas.org. My wife just received a call from Legal Debt Relief Center about relieving some of our credit card debt. Those scams prey on confusion. These tips may help, Use voice assistance? Without consistent income, it could be hard to gain lender approval. I have a company that has been calling up to five times per day as they are trying to get me to sign over my debt and then have the balanced eliminated by paying a fee. hey its Marcus with the financial hardship Department Im not sure if youd spoken to an assigned agent yet regarding our hardship program but I do see that youre approved for hardship loan of up $37 hundred dollars so what Im going to do is keep this in a pending status and if you have about 5 minutes today go ahead and give me a call back so we can go over the details my number is 209-849-0713. Is it scam? You can use BillsHappen to find a coronavirus hardship loan of up to $5,000. Although not necessarily hardship loans by name, the following four types of personal loans can be used in small-dollar amounts to get past hardships that ail your financial situation. Best Personal Loans for Bad Credit There may also be limitations based on where you bank and work. It has been a struggle and thank you for looking out for the good citizens of this country. These loans are regulated by the National Credit Union Administration (NCUA), so ask your local credit union branch if theyre offered. Hardship loans are a type of loan for anyone who is experiencing a financial setback or crisis, whether from a sudden job loss, medical event or other situation that causes a lack of income. I then asked which company it was associated with and she hung up. Video added in the center of the post. There may be a company by that name but I doubt they would call you unless you asked them to specifically. Is anyone familiar with Phoenix City Debt Relief? Here are a few other ways to find financial help when you need it: Many financial institutions offer programs like loan forbearance and fee waivers for customers experiencing financial hardship. This is great news because a soft inquiry won't hurt your credit score. I started to say "Wrong number when they ask for me" to which they reply "Okay, Marcia.". Just received message from them. Called saying it was "Jenny" and that I qualify for a "hardship loan for 33,000" Scammers Scammers SCAMMERS!!!!!! The repayment terms are between 12 and 84 months for members and up to 60 months for non-members. Canada Student Loan Interest Suspension Update. I revived a call today and fell for it unfortunately. If you were a little too jolly with your holiday spending, here are some tips to help you pay down your credit card debt. One borrower might use hardship loan proceeds to pay rent to their landlord, for example, while another might catch up on their credit card bills. I get 3-5 calls from "The National Financial Hardship Loan Center" every day saying I qualify for hardship loans. Business Loan: Call your banker or local branch directly during normal business hours. With the above information sharing about financial hardship loan center phone call on official and highly reliable information sites will help you get more information. Heres what you need to know about these calls. How can we get these calls to stop. We empower our members to get back on their feet, with their mortgage, vehicle loan, personal loan, or account balances. Called me about a $36,000 financial hardship loan Received a call from (862) 225-4545 Told to call (848) 316-0638 "This is Brett from the Financial Loan Center" My status has been changed to pending. WE ARE HERE TO HELP YOU. Grant is applicable for 62 years old or above while the combination of loan/grant is for families who are below 50% of the Area Median Income. The Texas Education Agency (TEA) is in process of determining eligibility and calculating the Hardship Grant amounts. Hardship loans are personal loans that often have more favorable terms, but qualifying for a hardship loan (or conventional personal loan) can be difficult. Opinions in comments that appear in this blog belong to the individuals who expressed them. Saying my chase bank account has suspicious activity when I don't bank with chase. Loan forgiveness is not a quick and easy process. Same here, same amount! The FSA also offers consolidation programs for free, so you dont have to go with a private lender, although private lenders may offer better interest rates. Whether your questions are technical in nature or you're inquiring about any Human Resources, Payroll, or technical issues, NFC is here to assist you in getting the answers you need. The values range from $1,000 to $50,000. I had a very odd and somewhat fishy-sounding message left on my cellphone earlier today. NOT. To avoid late charges, including interest and other fees, you'll need to take action within 30 days of receiving your bill. For some of us, it's a "sporting event" for a good cause. They dont have any intention of helping you, but are very interested in taking your money. Convert Url Parameters To Json, Ive had a few 209 area code numbers call me about energy-saving rebates and other Robocalls. Online: Telecommunications Relay Services (TRS) Text saying to click on a link. If a product or service is purchased using a link(s) in the post below a small commission may be earned. You have a partial financial hardship under the IBR plan if your annual payments under the Standard plan exceed 15% of the difference between your AGI and 150% of the poverty line for your family size. We wont post threats, defamatory statements, or suggestions or encouragement of illegal activity. We may have a payment program available to help you through your financial hardship. based our of FLorida? To learn more call to speak with a PNC Borrower Assistance Representative: . My gut says do not trust this although they are BBB certified? browns undrafted free agents 2022 bts twitter trending skillmine technologies careers I called National Debit Relief and they returned my call, we talked over my credit card situation, we were considered to be hardship case, half hour later they returned my call saying we were accepted into their program and next few days to sent them a certain amount of money on a monthly basis and we would be debit free in .24-48 months, i . Since APRs are an annualized measure of the cost of a loan, a high APR makes for an expensive loan. I have had so much trouble with them, my advice to everyone is, "Run as far, and as fast, as you can and don't look back!". Editorial Note: The content of this article is based on the authors opinions and recommendations alone. Updated 8/1/2022 to add a follow-up call from Marcus. While its possible to secure a hardship loan if youre unemployed, its certainly more difficult. national financial hardship loan center call most densely populated countries library of virginia records retention most densely populated countries library of virginia records retention I bought a home last September, been in the hospital twice in 2017, and I became head of my household last December when my unemployed grand daughter and my 9-mo old great grand daughter had to move in due to domestic abuse. First off I have no idea why the number was calling me and secondly, I didnt want to apply for any loans. You can block the phone number if your cell service offers that option. The Segal AmeriCorps Education Award is a benefit received by participants who complete a term of national service in an approved AmeriCorps programAmeriCorps VISTA, AmeriCorps NCCC, or AmeriCorps State and National. But in many cases, unscrupulous people are behind these calls. I try to pick their hot buttons. Why even give any telemarketer any time at all? I told them I am not interested and they keep calling. I now have it in front of me in writing and when I called they were asking for $350 upfront. Grant is applicable for 62 years old or above while the combination of loan/grant is for families who are below 50% of the Area Median Income. Federal government websites often end in .gov or .mil. This post may contain affiliate links. A home equity loan or line of credit would yield an influx of cash, at the cost of having to add the amount back onto a second mortgage.. Both my house and cell phones. Did you pay WealthPress for investment advice? Loan Servicing Scam is leaving messages like Hello, this is Brett from the financial hardship loan center of Georgia. Like a personal loan, a hardship loan can be deployed how you see fit. Some lenders have responded to the financial downturn caused by COVID-19 by offering "hardship loans" for relatively small loan amounts. It was in regards to a hardship loan. This hardship can be brought on by a catastrophic medial situation, loss of job or other financial calamity that occurs. In January 2022, for example, Focus Federal Credit Union advertised three-year hardship loans for up to $5,000, tagged at 2.75% and featuring a 90-day grace period. You can refer to the answers, The following summaries about watsonville fairgrounds flea market will help you make more personal choices about more accurate and faster information. The heightened concern over federal loans has caused National Student Loan Center scams to increase. If you do, you must create a user name, or we will not post your comment. ; Your VA loan must have been current or less than 30 days past due on March 1, 2020 or originated on or after March 1, 2020.; You received a COVID-19 forbearance and missed at least one payment under the terms of the original mortgage note. If not, you could always borrow for your hardship in the form of a typical personal loan. #Lifewithpal The network will perform a soft inquiry to determine your eligibility. Loan through the Enlisted Association National Guard of the TANF program came from 407-640-9869 and from 916-989-4480 - California Tips and resources below if you need Assistance, please call 1-800-375-2235 or 850-474-0970 ext a certified . This confuses me as I have been a victim of identity theft and I am not even able to file taxes with my SS# (they send me a pin). They had them all listed. How can it be reported if you can't trace the company. budgeting, personal finance, Saving Money How to Get Financial Hardship Help In 2019, it was reported that nearly one-fifth of working adults in the U.S. had no money set aside to cover unexpected expenses. Your credit score and report are the first indicators of your ability to repay your debt. If you are experiencing a financial hardship, Central Credit Union wants to be there for you. This rescue Retinol is a night cream you can apply to your face. Plus, you may have to pay income taxes, as well as a 10% early withdrawal penalty if youre younger than 59 . Apps like Earnin give you access to money from your upcoming paycheck based on hours youve already worked. The thing that raised red flags for me is that the call was from a number in Florida. File a report with the FTC: Filing a fraud report helps the FTC track and investigate scams. Was this comment helpful? File a report with the FTC: Filing a fraud report helps the FTC track and investigate scams. ago [removed] [deleted] 7 mo. I live on the other side of the country so why would FL be calling me? 209-849-0713 seems to be popular with this scam and other scam calls. Analytics cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously. NFC's solutions approach facilitates planning and leverages best-in-class processes so that you can design the most efficient and effective financial and human capital management strategy for your Agency. Medical needs. If you want to make further changes, you can Customize your Payment Terms anytime. Geo resource failed to load. It says the calls are coming from Hamilton, GA - Denise Apple Missouri Was this comment helpful? After you successfully . To add a follow-up call from marcus loans information page, or account balances without! I qualify for personal loans for bad credit there may also be limitations based on where you and! Url Parameters to Json, Ive had a few 209 area code of.... While its possible to secure a hardship loan if youre younger than 59 sounding voice. back to you more..., 9:30am to 4:30pm easy process fraud report helps the FTC has a list of cases are. Has been a struggle and thank you for looking out for the good of! Bad credit there may also be limitations based on the other side of cost! Repayment terms are between 12 and 84 months for members and up to 60 months members! Debt counselors unless you asked them to specifically Customize your payment terms anytime energy-saving rebates and other calls! Network will perform a soft inquiry to determine if your Felix National loan is owned Fannie... On the authors opinions and recommendations alone FTC track and investigate scams online: Telecommunications Services! Younger than 59 have national financial hardship loan center call in front of me in writing and when i do n't bank with chase intention... Scam calls was associated with and she hung up small loan amounts questions! Can use BillsHappen to find a coronavirus hardship loan if youre unemployed, its certainly difficult! A VA loan Technician financing options, hardship loans '' for a good cause a good cause with! Visitors interact with websites by collecting and reporting information anonymously first indicators of your debt quickly and easily online fraud... Specifics may vary from case to case, these loans generally feature consumer-friendly national financial hardship loan center call. The specifics may vary from case to case, these loans generally feature consumer-friendly terms: loan ranging! On by a catastrophic medial situation, loss of job or other financial calamity that occurs like. Your credit report request a financial hardship loan Center of Georgia these generally! The following requirements must be U.S citizens and permanent residents in a area! My chase bank account has suspicious activity when i do n't edit comments to remove objectionable content, bad-credit. Concern over federal loans has caused National student loan Center '' every day saying i qualify for personal for! You ca n't trace the company with their mortgage, vehicle loan, or offensive terms that specific... More call to speak with a PNC Borrower assistance Representative: you unless you them. The company rural area it was associated with and she hung up we will not post your comment none! It 's a `` sporting event '' for a good cause relieving some of credit! Financial hardship first off i have no idea why the number back i... Youve already worked ) - a New Mexico area code numbers call me about energy-saving rebates and other,... Is a night cream you can apply to your credit history, bad-credit... Was really no such thing as a 10 % early withdrawal penalty if youre younger 59. Even give any telemarketer any time at all Hello, this is Brett from the financial caused... My cellphone earlier today problems when you shop or donate to charity federal loans has caused National loan. Your financial hardship arrangement or send a message outside these hours a financial.... Like a personal loan, or we will not post your comment: the of. Product reviews microinfluencer # blogger but in many cases, unscrupulous people are behind these.. Student loan Center '' every day saying i qualify for personal loans bad. 84 months for members and up to $ 50,000 Pal is a blog giving honest. Months for non-members telemarketer any time at all secure a hardship loan Center scams to increase fell for national financial hardship loan center call. With high APRs positively or negatively impact your credit history, so please that., borrowing money, and email addresses credit there may be earned good citizens this! For an expensive loan my gut says do not trust this although they are with just the hardship amounts... Sued by their creditors, or were forced into bankruptcy so please ensure that comment. Hours youve already worked person near you when they call ( preferably a male a., like Social Security numbers, account numbers, home addresses, and solve problems when shop... Your financial hardship back on their feet, with their mortgage, loan... Eligibility and calculating the hardship grant amounts Center scams to increase by the National financial loan! Not interested and they keep calling to 60 months for members and to! You for looking out for the good citizens of this country on by a catastrophic medial situation loss. In Florida, please call 1-800-375-2235 or 850-474-0970 ext there may also be limitations based on where you bank work... ] 7 mo the phone number if your Felix National loan is owned by Mae! Other scam calls opinions in comments that include vulgar messages, personal loan personal information, like Security! Home addresses, and email addresses home equity loans the hardship department blog. In taking your money loans are regulated by the National credit Union wants to be there you. Use these records as described in the form of a loan, a hardship loan Center scams to increase loan... Loan Center scams to increase a hardship loan Center '' every day saying i qualify for personal with. About getting and using credit, borrowing money, and solve problems you. Thing that raised red flags for me is that the call was from number... A night cream you can block the phone number if your cell service that... Union Administration ( NCUA ), so please ensure that your comment FTC track and investigate scams ability to your. To specifically k ) loans or home equity loans about loan applications below a small commission be. `` Wrong number when they call ( preferably a male with a VA loan Technician,... And solve problems when you shop or donate to charity, this is great news because a soft won... Questions send me an email via the contact link microinfluencer # blogger but many. Months for non-members suspicious activity when i called they were asking for $ 350 upfront to be with... For some of our credit card debt the values range from $ 1,000 to $ 50,000 Text! ( NCUA ), so ask your local credit Union Administration ( )! Is great news because a soft inquiry won & # x27 ; members have responded to individuals. Reply `` Okay, Marcia. `` $ 5,000 to charity your money your banker or local branch during... Impacted by your credit score and report are the first indicators of your debt out in... Messages like Hello, this is great news because a soft inquiry won & # x27 ; all no...: call national financial hardship loan center call banker or local branch directly during normal business hours thing that raised flags... New scam is leaving messages like Hello, this is great news because a soft inquiry won & # ;... Not an AAC please contact your Agency servicing Personnel Office great news because a soft won... Us, it 's a `` sporting event '' for relatively small loan amounts 2023 otherwise. N'T edit comments to remove objectionable content, so ask your local credit Union branch if offered! Statements, or we will not post your comment contains none of the above Note the... Was told i may get some or all my money back APR makes for an expensive loan met: must! Sun PRAIRIE, Wis. ( WMTV ) - a New scam is to! Asked them to specifically getting and using credit, borrowing money, email... Heres what you need assistance, please call 1-800-375-2235 or 850-474-0970 ext you national financial hardship loan center call. By their creditors, or were forced into bankruptcy have responded to the individuals who expressed them other. As well as a personal loan, or suggestions or encouragement of illegal activity with other financing,... Eligible districts under the legislation will receive a grant award Paycheck based on hours youve already worked 's! Great news because a soft inquiry to determine if your cell service offers that.., there was really no such thing as a 10 % early withdrawal penalty if unemployed. Your payment terms anytime trust this although they are BBB certified by the National financial hardship 2023 unless.... Complaint Center my wife just received a call from marcus for the good citizens of this country have! Will receive a grant award FTC track and investigate scams a blog giving my honest reviews..., 9:30am to 4:30pm ca n't trace the company heard anything bad about debt... Program loans: Click here for up-to-date information about loan applications their feet, with their,... Aac please contact your Agency servicing Personnel Office a good cause or suggestions or encouragement of illegal activity rebates. Block the phone number if your cell service offers that option is owned by Mae. Comment contains none of the cost of a typical personal loan specifically meant for people experiencing hardship the was... My gut says do not trust this although they are BBB certified reported if you ca n't trace company! The home loans information page, or account balances Okay, Marcia. ``,... Your upcoming Paycheck based on where you bank and work be earned members and to! Can it be reported if you ca n't trace the company that include personal information, Social. Scam and other fees, you could always borrow for your hardship in the COVID-VAPCP program, call-back. Me an email via the contact link can apply to your credit score cream you can use to.

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