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They would take into account how long they have been on there job, there debt and if they have bad credit, what happen to get them to that point. You can ask whether their rate is adjustable or fixed, and take note how adjustable rates pose a greater amount of risk. Amounts land by the loan companies are determined by the wholesale value of the vehicle. The ownership documents of the property are deposited with the bank. The impact of a poor credit scores varies from lender to lender. The dentist bill has to be paid.

According to a law that Congress created called the Fair Credit Reporting