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Is it possible to refinance a mortgage after bankruptcy?

I filed bankruptcy was declared two years ago. How long will it take to refinance at a lower rate?

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I don't think you need to wait too long. Only after six months from the date your bankruptcy was declared, you may find lenders agree for the deal. In the mean time you can look around to make a list of good lenders in the market.

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blue's picture
blue | Joined: October 21, 2005 09:17 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

You will be able to go for mortgage refinancing after bankruptcy now although in case of a ch.7 bankruptcy then it will stay on you credit report for 10 years and it will stay up to 7 yrs. in case of a ch.13.

You will definitely find lenders agree to refinance but you may not get it easily as with normal case, and the rate will also not be that lower. Generally lenders agree to give you loan after two years provided you are current on your bills.

You can take the help of a broker to find a suitable lender but do keep your eyes to get the maximum facility.

Some related discussions (http://www.mortgagefit.com/discuss/about1956.html and http://www.mortgagefit.com/discuss/about1531.html) in our forums may help to understand more clearly.

Regards,
Blue

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Anything that may influence my rate and ability?

thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

There are some factors to be considered in case of home refinance after bankruptcy -

  • credit score
  • the difference between the value of your loan and the value of your home
  • is the rate going affordable by you
  • is it worth at all to refinance

Hope I could help you.

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Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You may have taken a lot of debts and failed to cope up with the payments, but even then, you may still apply for a mortgage or a refinance loan. Most lenders will not prefer to offer you a home loan when you have filed bankruptcy. They consider it as a great risk to offer you a mortgage which will take up a lot of your cash reserves for its repayment. Even then, you will find subprime lenders coming up with loans offers at comparatively higher rates and you have no choice but to accept that.

In general, most lenders won't approve your mortgage refinancing after bankruptcy unless 2 years have passed since you have filed bankruptcy. This will actually benefit you in the sense that you can rebuild your credit history in the meantime. The best way to start off is to take a credit card and make regular payments on it. Your creditors will thus be convinced that you can manage small payments.

You will have to maintain good payment habits if you wish to take a mortgage or intend to refinance your previous loan after bankruptcy. Taking a mortgage or refinance loan after declaring bankruptcy will help you to re-establish your credit status provided you make timely payments. Moreover, with a refinance loan you can obtain a low rate on your existing mortgage and build up your savings.

Re-establishing good credit is easier with a [url=http://www.mortgagefit.com/bankruptcy/chapter13.html]Chapter 13 bankruptcy[/url], as you already make payments to clear a part of your debt amount. Creditors come to know that you are at least trying to pay down your debts. This is not possible with a Chapter 7 filing that helps in discharging all your debts and you have to pay for none.

A [url=http://www.mortgagefit.com/bankruptcy/chapter7.html]Chapter 7 bankruptcy[/url] stays in your credit report for 7 years and Chapter 13 gets featured in the report for about 10 years. And, bankruptcy creates a negative impact on your credit report, so that you don't qualify for mortgages at better rates. But if you practice regular payment habits, then getting the best mortgage quotes won't be that difficult. You may take help and support from credit counselors who will be willing to guide you in return for a nominal fee.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

can i refinance my mortgage waiting only one year and currently in bankruptcy?

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

I think if it is possible you should wait for two years after [url=http://www.mortgagefit.com/know-how/filebankruptcy.html]filing bankruptcy[/url]. Because after one year if at all you get a lender it will be a sub-prime lender who will refinance your mortgage at higher interest rate. And therefore instead of gaining anything out of refinance you will loose some money.

Thanks,
Jerry

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Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Peanut,

What Jerry says is correct. I would suggest that you wait for at least 2 years of your bankruptcy filing. This will give you some time to improve your credit score and later on help you to avail loans at comparatively lower rates. You will be getting loans from lenders other than subprime lenders and therefore you will be able to avoid paying high interest.

If you can wait till 2 years after your bankruptcy filing, then within this period, I would suggest, that you take a credit card and make regular payments on it. This will help to repair your credit history. And, then you will be able to get refinance loans at lower rates.

Hope that I could help you.

Thanks,
Caron.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

hi i have a question here that if somebody is in bk chpter13 and wants to take loan to pay BK off; then what documnets he needsto submit to lender reagrding his bankruptcy bcos normally he doesnt have any docs and all docs stay with his attorney who are not that big help. so whats the best way and what are the docs reqd

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Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

It's not easy to qualify for loans in Chapter 13 Bankruptcy. One to pay higher rates of interest as a bankruptcy has negative impact on his credit score.

While an individual is following the repayment plan in Chapter 13, he should contact any of the credit reporting agencies - Equifax, Experian and TransUnion to update his credit report with the latest payments. This will help him to convince the lender that he has started to build up good credit after filing the bankruptcy.

When he submits the documents, a copy of the credit report should be given to the lender. Even if the documents are with the attorney, one should have copies of documents like proofs of income, past credit payments, assets, etc. All such documents should be submitted to the lender.

Thanks,

Caron.

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ctcloan's picture
ctcloan | Joined: October 27, 2007 11:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Yes, you can refinance after a bankruptcy - I can find you a loan 1 day after discharge but the rates are not pretty. Your best case is to have been discharged (goes by the date of discharge not when you filed) at least 2 years for chptr 13 & 4 for chptr 7. Now, if your bankruptcy was due to extenuating circumstances (divorce, job loss, sickness etc.) you will be alright @ 2 yrs with a chptr 7 as long as you have re-established credit and have not been late on anything - remember after a bankruptcy you must remain squeaky clean on your credit & rebuild your credit through new credit cards (keep your balances below 35% of your credit limit!) & car loans etc.

[size=9:fcd8129f5d][color=Red:fcd8129f5d][Promotional text deleted as per forum rules. Thanks.][/color:fcd8129f5d][/size:fcd8129f5d]

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

need a mortgage .bk is one and half years old???

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larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi debra,

Welcome to the forum.

Have you filed chapter 7 or 13? Can you please inform us about your credit and employment history so that we can advise you better?

Do you have enough savings to pay the down payment and the closing costs? How much do you want to borrow?

Hope you get the information soon :)

Best of luck,
Larry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my rate adj this year and i want to refinance at lower rate dischge feb 2008 from chpt 7

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Samantha's picture
Samantha | Joined: September 16, 2005 11:59 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Collen,

Since you have received the discharge in February 2008, you'll have to wait for some more time till you get a favorable rate on your loan. Otherwise, you may be able to get a refinance loan at higher rates of interest. And if you credit is too bad, then you may not even qualify for another loan right now. I suggest you talk to our lender about it first and find out what rates and terms he's offering. Then you can look out for some more offers from other lenders as well. But frankly speaking chances of getting a loan are feeble.

You may also send in your request for no-obligation free mortgage quotes from the lenders in this community. Let's hope they'll be able to help you out with a suitable loan offer.

may god bless you.

Samantha

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

mY CURRENT INTEREST RATE IS 7.625 ON A PROPERTY OF 413,000.00. ITS BEEN QUITE A CHALLENGE TO MANAGE PAYMENT ON A MONTHLY BASIS. THOUGH ITS A FIXED RATE, AM WONDERING IF ISHOULD REQUEST FOR INTREST ONLY NOW AND AFTER BANKRUPTSY CAN I GET A LOWER RATE

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Jessica's picture
Jessica | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Nikky,

Welcome to our community forums.

Why do you want to file bankruptcy and what type of debts would you include? If you're filing only because of the mortgage payment, I think that's a wrong move. I mean current rates on fixed mortgages are quite low, that is, national average rates are around 6%. So, if you can refinance now with a low rate, you'll actually benefit. Also, you my go for interest-only but keep making at least some payment towards the principal. This is allowed in case of interest-only loans.

Regards,

Jessica.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I WAS IN AN ARM WHEN I FILED FOR BANKRUPTCY. MY BANKRUPTCY WAS
FIVE LONG YEARS AND WILL BE DISCHARGED FEB,2008 MY INTEREST
RATE IS ALMOST 13% NOW AND IF I CANNOT REFINANCE I MIGHT AS WELL FILE BANKRUPTCY ALL OVER AGAIN...ISNT THERE ANYONE TO HELP ME...AFTER ALL I AM DEBT FREE NOW WITH THE EXCEPTION OF MY MORTGATE

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome renee,

Did you speak to your lender about refinancing the mortgage? You can even contact the other lenders to check if they can offer you a refinance. In my opinion it will be a bit difficult for you to get refinancing. You will have to prove to the lender that you will be able to pay off the dues in time. You will also have to show that bankruptcy has cleared your debts.

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banker0679's picture
banker0679 | Joined: November 15, 2007 10:05 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome to MortgageFit!

If you're currently in a Chapter 13 BK then you maybe able to do a FHA Buyout. You can't have any lates within the last 12months. You can get the FHA buyout after 12months from the start of the BK 13. Of course you will need equity in your home to do this.

Good luck and post back your experiences!

Thanks,
Robert

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am trying to refinance and most lenders are telling me I must go FHA since the bankruptcy is not 4 years old. I have one who is saying that is not true and he can do a Freddie Mac (conventional) loan for me. I do not want to pay PMI.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

As far as I know, if you had filed [url=http://www.mortgagefit.com/bankruptcy/chapter7.html]Chapter 7 bankruptcy[/url], and if 2 years have passed from discharge, then you may get FHA loans. But if you want to get conventional loans, you'll have to wait till 4 years after discharge.

As far as paying PMI is concerned, if you pay a 20% down-payment, then you will not be required to pay the PMI.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

can i retake my house if this one went to chapter 7 im late 8 months

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Jaime,

If you have filed Chapter 7, then you can retain your property provided if you reaffirm your mortgage after you are discharged of bankruptcy. When you reaffirm the mortgage, the lender will give you a new repayment plan through which you will be able to pay off the debts. However, if you default, then the lender can foreclose your property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I filed chapter 13 about a year ago and have lost my job of 15 years I am currently receiving unemployement benefits. I really need to refinance my home to lower my monthly payments. Is there help for me?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome vfm,

As you are unemployed, you would face problems in refinancing the mortgage. I would still suggest you to speak to your lender once and check if he can refinance the loan for you.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Can I get a mortgage after 16 months with a Chapter 7?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Harbaugh,

To get a FHA mortgage after Chapter 7, you'll have to wait for 2 years. If you are planning to go for a conventional mortgage, then you'll have to wait for 4 years. So, I don't think you'll get a mortgage just after 16 months of filing Chapter 7.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We have absolutely no debt at this time, but have no credit cards,loans or anything to re-establish credit rating.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Judy,

Getting a mortgage would depend upon your credit score. So, what's your credit score like? Did you take steps to improve your credit score after bankruptcy? You should remember that you would get a conventional loan once you have a score of 720-740.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have a 30 year mortgage and still have 18 years to go. I filed chapter 7 almost 9 years ago. Should I wait to refinance until next year. I have a joint credit card and have never been late and have made large payments each month.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi ROSIE,

You've mentioned that almost 9 years have passed since you filed bankruptcy. I guess, you've reaffirmed the loan and you are paying the dues accordingly. You do not need to wait for the next year to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the mortgage. You can apply for a refinance with your lender right away. I hope you have rebuild your credit after your bankruptcy was discharged. If you've a good credit score, it will help you in getting better rates while you refinance.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we were discharged in November of 2009 from a chapter 7, was looking to see if could [url=http://www.mortgagefit.com/Mortgage-Basics/do-i-qualify-for-a-mortgage.h... for a mortgage[/url] or not? or is it best to keep renting for the next two years

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You won't be able to qualify for a loan so soon. You'll have to wait for 2 years after the discharge to qualify for a FHA loan and 4 years after the discharge to qualify for a conventional loan. Thus, it is a good option to rent a property for the time being, improve your credit and financial situation and then look out for a loan.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

How long do you have to wait after your Chapter 7 bk has been discharged to buy a new home? I thought it was 3 years, but I am being told that the house in the bk that the deed has to be out of your name for 3 years

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Missy!

Welcome to forums!

After your [url=http://www.mortgagefit.com/bankruptcy/chapter7.html]Chapter 7 bankruptcy[/url] filing has been discharged, you'll have to wait for 4 years in order to qualify for a conventional mortgage. But I haven't heard of any such requirement that you will have to own the property for 3 years to get a mortgage.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We are looking to buy our 1st home and our chapter 7 bankruptcy was discharged about 14 months ago. Our credit score is around 700 and we would have 20% down. Does the approval of a mortgage go off of your credit score or the actual amount of time passed. Im a little confused because some posts are stating there is no actual amount of time by law but than many are saying 2 or 4 years. Do we have any chance of getting a mortgage

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Joann,

Your query has been replied to in the given page:
http://www.mortgagefit.com/postdeal/about49157.html

Take a look at it. Hope it helps you.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have fallen behind on my homeowners association dues and with the lawyer fees attached, I owe $6,000. I was to pay $400 a month but was not able to keep up. Would [url=http://www.mortgagefit.com/know-how/filebankruptcy.html]filing bankruptcy[/url] stop the lawsuit?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Louise,

Filing bankruptcy may help you in stopping the lawsuit. You should contact your bankruptcy attorney and take his help in this matter.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Our chapter 7 was discharge in Nov, 2009. The other day I checked my credit report and it said that the mortgage "debt included in Chapter 7 Bankruptcy". I keep geeting statements from my mortgage company and we have been making payments since the discharge. My question is: Is the mortgage wiped out? Do we have to make the monthly payments? What happens if we stop making the payments? The credit report said there is no balance on my mortgage loan, but the statements from the mortgage company show that there is a balance. Who is right?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome aggordon,

The mortgage won't get wiped out. If you haven't reaffirmed the loan, you won't be personally liable for paying the loan. The lender will foreclose the property in order to recover the mortgage payments.

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ccompleteautoloans's picture
ccompleteautoloans | Joined: June 14, 2012 11:15 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I don’t think you need to wait until your bankruptcy get discharge. You can find many lenders who provides immediate loan after your bankruptcy. They are specialized in dealing with people with bankruptcy.

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kayleemegn1's picture
kayleemegn1 | Joined: July 7, 2012 01:22 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Spend six months and after you have build your credit score, you can get your loan refinanced but you have to search for private lenders who are willing to offer loan after bankruptcy. Apart from this, I would personally advise you to start a saving account as any lender will look for your assets before offering loan.

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kayleemegn1's picture
kayleemegn1 | Joined: July 7, 2012 01:22 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You don't need to wait too long. You can apply for refinance after six months from the date your bankruptcy was declared, the thing you need to do is to find lenders agree for the deal.

______________________________
Get [url=http://www.freecreditscore.com/]credit score free[/url] at Freecreditscore.com

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