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If the lender orders reports manually and performs the calculations by hand necessary to determine that the borrower has the ability to repay the loan, this could add 20 minutes to the borrowing process.
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Only 3% of money is still in that old-fashioned form of cash that you can touch.
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Although there are various scoring models, the most popular model is the Fair Isaac Corporation (FICO) score that ranges from 300
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This is something you need to bear in mind when considering whether you can afford to borrow.
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