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Not necessarily, if you've been late with your payments less than 3-times in the past year, and the payments were no more than 30-days late, you still have a good change at getting a competitive interest rate. Most lenders will accept certain reasons for this like an illness, or job-change, but explanations are required.
State license numbers: North Carolina Lic/Reg#: B-193985, Florida Lic/Reg#: MBR3879, Michigan Lic/Reg#: FL0022890
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