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Or else, if you cannot afford to satisfy the payments, you could only get deeper in debt trap, that may decrease your rating more.
These companies may very well be running a fraud. They can request a little deposit just before sending the loan, just take the money, and disappear. You won´t at any time see The cash, or Get the deposit again. Or they could ask for suspicious info, that other lenders would by no means ask for.
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