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No lender wants to make a bad loan.  Following the 2007-2008 financial meltdown, millions of people with good credit defaulted on their debt in the U.S, most notably through foreclosures and short sales of homes...

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2013 was a good year for auto loan interest rates, hovering nearly around 2.5% for those with good credit and 4-5% for those with imperfect credit (defined has having FICO scores between 540 and 620 FICO).  Experts predict that auto financing rates for 2014 will most likely stay steady.  However, long-term U...

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Chronic late payments are the antithesis of credit repair...

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