Facing up to debt

Cover Story

Facing up to debt

Overwhelmed by their student loans and credit card debt, some graduate students choose to ignore their money woes, setting themselves up for more financial turmoil. Here's how to avoid that trap.

By Amy Novotney

Print version: page 32

Though she grew up poor, counseling psychology student Karen* never felt particularly worried about money until this year. Now, the...

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Website: http://www.apa.org

Topic 6: Interpretations of Accounting Series Releases and ...

$ (450)


The acquisition of the 100%-owned subsidiary was consummated on the last day of the most recent fiscal year. Immediately preceding the acquisition, the registrant had net assets of $700, which included its equity in the undistributed earnings of its 30% investee of $75. Immediately after acquiring the subsidiary's net assets, which had an historical cost of $450 and a fair value...

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Website: https://www.sec.gov

Student loan - Wikipedia

Main article: Student loans in New Zealand

New Zealand provides student loans and allowances to tertiary students who satisfy the funding criteria. Full-time students can claim loans for both fees and living costs while part-time students can only claim training institution fees. While the borrower is a resident of New Zealand, no interest is charged on the loan. Loans are repaid when the...

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Date: 2018-03-18 04:14:03
Website: https://en.wikipedia.org

FRB: FEDS Notes: How Much Student Debt is Out There?

, Simona Hannon, and Karen Pence

As is widely known, student loan debt has expanded significantly over the past decade or so and stands at historically high levels. But how much in total do students owe? Somewhat confusingly, the Federal Reserve System produces three sets of statistics on student loans. Every quarter, total student loans are reported on the Federal Reserve Board's Consumer Credit...

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Date: 2015-08-07 16:34:40
Website: https://www.federalreserve.gov

Credit Card Debt Help From Consolidation To Settlement ...

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By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy and to receive electronic communications. We take your privacy seriously. That you are providing express...

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Website: https://www.debt.com

5 Different Ways to Achieve Debt Relief

Debt Settlement Consolidation

Being deep in debt is a very stressful situation - especially if what you owe is more than what you are earning every month. Any breadwinner in the family feels this burden day in and day out. The pressure to make sure that the family is provided for is frustrating. While paying for the usual bills, you need to make sure your debts are paid on time and correctly. Not...

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Website: https://www.nationaldebtrelief.com

Refinance Auto Loan - Poor Credit and Bad Credit Loans ...

Consolidate Your High-Interest Debt - You may have credit cards or personal loans with sky-high interest rates. If so, you can apply to refinance your car loan for a lower interest rate. Also refinance your car for its full value and use the equity from your car loan to pay off your higher debts or other higher interest loans that you have.

Consolidating your debts can lower your payments and put...

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Date: 2018-03-22 13:58:28
Website: https://valleyautoloan.com

Explaining New Federal Student Loan Rules - nytimes.com

Continue reading the main story

Starting sometime next year, the limit will be cut by a third for certain borrowers, and that will lower payments. Also, loan forgiveness will happen after 20 years. (The income-related changes were already scheduled to happen in 2014, but they will occur sooner now.)

Today, at least 450,000 people participate in the federal income-based repayment program that...

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Website: nytimes.com

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Click herThe Debt Panel: Abu Dhabi small business owner owes Dh1.35m and is struggling with Dh70,000 monthly repayments January 10, 2017

I am going through a challenging situation with my technology business. I have many loans and credit cards and am paying almost Dh70,000 every month in repayments. My operation is small with only five staff and our revenue is Dh250,000 per month....

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7 DIY Personal Debt Management Tips - Debt Firms

7. Build good spending habits

1. Bad debt versus good debt

Yes, there is such a thing as good debt but only a few types of debt fall into this category. Here are some examples of good debt:

Home loans - In addition to many other benefits, owning a home is a good debt because a home is an investment that gains value.

Student loans - Getting a college or graduate education is a good debt. By...

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Website: http://www.debtfirms.com

assists veterans - Home Mortgage Payment Help

The NC Foreclosure Prevention Fund is offered by the North Carolina Housing Finance Agency, a self-supporting public agency, using funds provided by the U.S. Treasury.

Mortgage Payment Help for Military Veterans

Transitioning from military to civilian life can be daunting, particularly if you are struggling financially while you are trying to begin a new career or learn the skills for a new job....

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Website: http://www.ncforeclosureprevention.gov

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Credit Card | Debt Consolidation Loan - LightStream


* The APR listed is for an unsecured credit card/debt consolidation loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the...

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Website: https://www.lightstream.com

Student Loan Repayment Options | Student Debt Relief

This website is for informational purposes regarding free government programs. Phone numbers listed connect to 3rd party fee-based companies that assist with enrolling in the optimal program(s)

Student Loan Repayment Options

Last Modified: January 29, 2018

This page is designed to explain how the each of the federal student loan repayment plans, and also to assist you on when it may be wise to...

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Website: https://www.studentdebtrelief.us

Debt Settlement Companies - Debt Consolidation Help

Financial Advisor

Updated: 12/2017

If you are struggling to figure out how to handle your debt, chances are, you are resorting to the many different debt relief programs. In the financial industry, there are many different options and tools available for consumers just like you. The reality is, no one wants to live with outstanding debt. Having creditors call you or send constant envelops in the...

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Website: https://debtconsolidation.co

How to clear your debt advice & help |10 steps to being ...

How much debt must I owe?

You must owe £20,000 or less.

What type of debt?

Most types of debts, but not all.

How long will it last?

You will be discharged from most types of debt after 1 year.

Administration order

How much debt must I owe?

There is no minimum or maximum level of debt. More likely to be a suitable option if you have debts that you can't afford to clear...

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Date: 2018-03-22 20:11:42
Website: https://www.nationaldebtline.org

Related topics : no loan debt consolidation / debt consolidation options / consolidate credit debt help / does debt settlement help your credit / consolidation credit debt loan

How to apply for the Public Service Loan Forgiveness ...

Government, nonprofit workers can now apply for student loan forgiveness

by Katie Lobosco � @KatieLobosco September 1, 2017: 12:58 PM ET

Public workers worry about this loan forgiveness program

Those seeking student loan forgiveness from the government's public service program can finally start the application process. After 10 years, the form was made available Friday.

At least 600,000 people...

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Website: http://money.cnn.com

Loan Repayment & Management | Feed The Pig

Repayment Management


Once upon a time, paying back student loans was a cut and dry 10-year plan. It's still an option, but not the only one. And thank the money gods for that! As the cost of higher education swells into the stratosphere, most of us cannot realistically keep up with that kind of monthly payment.

There is now an assortment of flexible repayment options...

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Website: https://www.feedthepig.org

Bankruptcy Facts - What You Need to Know

Chapter 7 bankruptcy protection

Chapter 7 bankruptcy can also be referred to as a "liquidation plan" because a debtor's non exempt assets will be liquidated by the bankruptcy trustee in order to raise cash to payoff creditors (we will talk about exempt and non exempt assets in a bit). Chapter 7 bankruptcy is used to discharge most types of unsecured...

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Date: 2014-09-04 23:54:53
Website: http://www.consumerfinancereport.com

Century First Credit Solutions

Century First Credit Solutions Inc. (CFCS) operates a unique "in-house" model where front end and back end work hand-in-hand, under one umbrella, at our corporate headquarters in midtown Manhattan. Talk to a CFCS debt specialist today for a free consultation.


Are you current on your credit card payments but not reducing your credit card debt? We only enroll clients that...

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Date: 2018-03-20 23:58:50
Website: http://www.centuryfirst.net

My Navient Student Loans Are Out of Control | HuffPost

My Navient Student Loans Are Out of Control


Dear Steve,

I currently owe Navient $163,000 on my private student loans. After graduating in 2009 with few job prospects, I put these loans into forbearance for the first two years while I could. This raised my original debt total from $153,000 to the current figure of $163,000. I have paid interest-only repayments for the past four years and...

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Date: 2018-03-22 15:44:58
Website: huffingtonpost.com

Loans | Apply For a Loan | HSBC UK

HSBC Advance customers could get 10% interest cashback

10% interest cashback at the end of the loan term.

Cashback is only available on loans with 60 repayments or less.

If you close your loan early or it is ended by us you will not be eligible for cashback.

Fixed Repayment Terms

Spread your repayments over one to five years for Personal Loans of £15,000 and less

Spread your repayments over one...

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Website: https://www.hsbc.co.uk

Personal Loans | Personal Loan Calculator | HSBC UK

HSBC Advance customers could get 10% interest cashback

10% interest cashback at the end of the loan term.

Cashback is only available on loans with 60 repayments or less.

If you close your loan early or it is ended by us you will not be eligible for cashback.

Fixed Repayment Terms

Spread your repayments over one to five years for Personal Loans of £15,000 and less

Spread your repayments over one...

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Obama Student Loan Forgiveness 2014 - Student Loans


Obama Student Loan Forgiveness 2014

In his earliest days as President of the United States, Barack Obama announced the start of a plan that would make former students exempt from paying back the full amounts of their loans. After this announcement, the legislative act was named the Obama Student Loan Forgiveness Program. The program is aimed at students who are facing financial difficulties...

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Website: https://www.paymystudentloans.com

Great Lakes Student Loans - What Borrowers Need to Know ...

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If you've taken out a student loan (or multiple loans) to finance your higher education, there's a good chance you've heard of Great Lakes Higher Education Corporation, or "Great Lakes" for short.

In this article, we'll walk you through some basics about Great Lakes, including what it's like to make payments, the loan repayment options you'll have...

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Website: https://www.credible.com

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Mortgage Calculator | Auto Loan Calculator | Credit Card Calculator | Loan Calculator

Broadly speaking, mortgage, auto, lines of credit, and credit cards are all considered personal loans. However, the calculator above is designed for unsecured consumer loans granted for personal use towards major purchases such as vacations, weddings, or medical bills. Some people use them to invest in their...

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Website: calculator.net

New Bank of North Dakota program allows residents to ...

BISMARCK -- The Bank of North Dakota has a new DEAL for state residents struggling with student loan debt.

The state-owned bank launched a new program Monday that will allow North Dakota residents who have lived in the state for six months or more to consolidate all of their student loans through the bank.

Bank President Eric Hardmeyer said the DEAL One Loan program - believed to the first of its...

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Date: 2018-03-22 15:17:14
Website: http://www.wday.com


Overall, the goal now is to get out of debt. The following tips will certainly help you make a significant dent in that debt load.


Get motivated on the primary reason you are ready to take action on eliminating debt - (sick of the stress, feel out of integrity with yourself, want a new home, vacation or car, determined to put the children through...

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Website: https://www.moneytracker.com

Which Student Loan Consolidation Company

This website is for informational purposes regarding free government programs. Phone numbers listed connect to 3rd party fee-based companies that assist with enrolling in the optimal program(s)

Which Student Loan Consolidation Company To Choose

Last Updated on

By Demetrios 84 Comments

Many companies in the business of helping students and parents through the student loan process are legitimate....

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Website: https://www.studentdebtrelief.us

What is Credit Counselling? - Debt.ca

What is Credit Counselling?

Consumer debt is a heavy burden that afflicts many Canadians. With the average total consumer debt being over $27,000, it is clear that Canadian consumers find themselves paying high interest rates on tens of thousands of dollars owed to credit cards, personal consumer loans and more. Paying only the minimum required payment means that it will take decades to pay back...

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Website: https://www.debt.ca

About Us - DebtReliefCenter.org

The Debt Relief Center assists individuals and families in debt by serving as a locator service for BBB accredited companies nationwide. These companies specialize in specific debt relief categories, including debt management through credit counseling agencies, debt consolidation, debt negotiation, debt settlement and debt mediation.

While no one debt relief solution is...

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Date: 2018-03-22 18:31:49
Website: https://www.debtreliefcenter.org

Debt : definition of Debt and synonyms of Debt (English)

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Lendings to stable financial entities such as large companies or governments are often termed "risk free" or "low risk" and made at a so-called " risk-free interest rate ". This is because the debt and interest are highly unlikely to be defaulted. A good example of such risk-free interest is a US Treasury security [ dubious - discuss ] - it yields the minimum return...

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Bill Text - AB-2377 Student loans: California Student Loan ...

This bill would establish the California Student Loan Refinancing Program under the administration of the authority, with the goal of helping eligible college graduates to refinance student loan debt at favorable rates by creating a revolving fund so that additional refinancing may occur to help more qualified borrowers, as defined, through the creation of a loss reserve account, as defined. The...

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Website: leginfo.legislature.ca.gov

Once a Student, Now Dogged by Collection Agencies ...

A Big Default Problem, but How Big? (September 9, 2012)

On the sidelines was a business consultant for the debt collection industry with a different take.

"I couldn't believe the accumulated wealth they represent -- for our industry," the consultant, Jerry Ashton, wrote in a column for a trade publication, InsideARM.com . "It was lip-smacking."

Though Mr. Ashton says his column was meant to be...

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Website: nytimes.com

FAQS - Oregon Homeownership Stabilization Initiative

If you refinance your mortgage after submitting your application or while receiving assistance, you will be disqualified for assistance. Your eligibility for the program is tied to the specific mortgage you identify on your application. By refinancing, you are obtaining a new mortgage, and your previous mortgage is closed. You will not be able to update your mortgage...

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Website: http://www.oregonhomeownerhelp.org

Loans | Middle Tennessee State University

�Federal Direct Maximum Aggregate Limits


$138,500 (no more than $65,500 of which can be subsidized)

Graduate students required to take undergraduate prerequisites

Graduate students who are required to enroll in undergraduate courses in order to be admitted into a graduate program may qualify for Federal Direct Student Loans at the...

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Website: http://www.mtsu.edu

Mortgage Center - Seattle Credit Union

Seattle Credit Union Real Estate Services -- a better way to buy or sell your home

We've partnered with independent, certified real estate agents to help you through every step�of the process when buying or selling your home.�Although�you must enroll and be a member of Seattle Credit Union, the service is free!

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Glossary - Canada.ca


Accumulated Income Payment

This is a payment that subscribers get from income earned on money put into a Registered Education Savings Plan ( RESP ). It also includes income earned on Canada Education Savings Grants and Canada Learning Bonds.

Accrued Interest

This is interest that has accumulated on the principal of a loan but has not yet been paid.

Calculating accrued non-repayment-period...

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Website: https://www.canada.ca

Income Tax Act - Justice

Previous Page Table of Contents Next Page

Marginal note:Benefit conferred on shareholder

15   (1)  If, at any time, a benefit is conferred by a corporation on a shareholder of the corporation, on a member of a partnership that is a shareholder of the corporation or on a contemplated shareholder of the corporation, then the amount or value of the benefit is to be included in computing the income...

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Website: http://laws-lois.justice.gc.ca

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Debt Consolidation Loans Non Profit: Consolidate Your ...

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Gambling debt

Now our focus on this page is 4 smart ways to control debt. The most basic step is to AVOID taking out any of the above "Bad Debts." This can be hard for many people, take auto loans for example. Most...

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Date: 2011-10-18 18:58:55
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Car Loans, Personal Loans & Debt Consolidation - Loanspot NZ

If you've had your car loan for a year or more, you might be ready for a review. Regularly taking a closer look at your loan could save you money and speed up the time it takes to pay it off. Let's take a look at five simple ways to review your car loan.

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There's the usual things to say - we're experts in personal lending; we've been doing this for over 10 years; we're fast, fuss-free and...

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Bad Credit Personal Loans By A Direct Lender | Progressive ...

Able to afford monthly repayments comfortably from your regular income

How much can I borrow?

Progressive Money offer  personal loans  from £1,000 up to the value of £15,000.

How long do I have to repay my loan?

We offer flexible personal loan repayment periods up to 10 years, and our team of expert loan advisers can talk you through all repayment options available to you.

Although opting for...

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Website: https://www.progressivemoney.co.uk

5 student loan myths — about forgiveness, repayment ...

Student loan payment and interest rate confusions abound. Don't fall for these misunderstandings about debt, forgiveness, federal versus private loans and servicers like Navient, Nelnet and OSLA. Muk Photo/Shutterstock

5 student loan myths -- about forgiveness, repayment, interest and more -- that everyone should know


March 14, 2018

Student loan misunderstandings are all over the place,...

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Website: https://mic.com

Mortgage | Canada Mortgage Loans | Debt Consolidation

Learn More

Home Mortgages

IMM Financial.ca�was created with those of us who have been turned down by Banks when we applied to them for a Home Mortgage .

If you are looking to buy�a New Home Mortgage or Refinance the one you have, but have been told that you do not qualify, then we would like to speak with you.� In fact, if you have not been to your bank to see if you qualify for their Home...

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Best Personal Loans for Bad Credit (Updated for 2018)


PersonalLoans.com is another loan marketplace where you get matched with multiple lenders based on a single application.

Because the lenders vary, the available APRs vary as well. Expect to see rates anywhere from 5.99% to 35.99%.

Similarly, the loan amounts start off as low as $500 and go up to $35,000 depending on your application and needs. Loan terms are quite flexible,...

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Website: https://aaacreditguide.com

Debtmerica | Debtmerica specializes in debt settlement and ...

Top Articles to Help You Lead A Debt-Free Life

Debt Consolidation : "Debt Consolidation" is one of the most commonly misunderstood and misinterpreted personal finance strategies that consumers inquire about all the time. While some view it as a method of taking on new loans, others see it as a debt relief alternative. It is more important than ever for inquisitive consumers to have a very strong...

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Website: http://www.debtmerica.com

CuraDebt Review | Top 10 Debt Consolidation


Tax penalties

Also, the company employs consumer protection lawyers who are trained in dealing with abusive and predatory collections agencies. These experts will advocate on your behalf and file suits against collectors and agencies that violate regulations and existing laws. In some cases, they have succeeded in completely removing customers' debt.

We found that CuraDebt is exceptional...

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Website: https://www.top10debtconsolidation.com

Debt Relief Services & the Telemarketing Sales Rule: A ...

Looking for More Information on Debt Relief Services and the TSR?

Who's Covered by the New Rule

The new Rule applies to for-profit sellers of debt relief services and telemarketers for debt relief companies. The new Rule defines a "debt relief service" as a program that claims directly, or implies, that it can renegotiate, settle, or in some way change the terms of a person's debt to an unsecured...

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Date: 2018-03-22 16:51:38
Website: https://www.ftc.gov

second mortgages - The Truth About Mortgage.com

Rent vs. Buy Calculator

Second Mortgages Explained: Reasons You Might Need One

When you hear the phrase "second mortgage," a negative connotation may come to mind. You could be thinking, "Why would I need a second mortgage? I'm not in financial distress!"

You might even ask yourself if it's possible to have two mortgage loans on one house at the same time.

Well, times have changed, and gone are...

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Website: http://www.thetruthaboutmortgage.com

Difference Between Debt Negotiation and Debt Settlement

What's the Difference Between Debt Negotiation and Debt Settlement?

Last Updated: June 13, 2017

Many people are confused by all the programs proclaiming they can help you get out of debt. There is debt settlement , debt negotiation, and consumer credit counseling . In most people's minds, all these programs are the same and all they are really concerned about is getting you out of debt the...

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Website: https://www.creditinfocenter.com