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Legitimate lenders wont tell you that you can get a loan without knowing your income, credit score, and other personal information. Any lender who guarantees that youll qualify before evaluating your information is probably bad news. Upfront fees. Its against the law for lenders to charge you simply for filling out an application. Lots of uninitiated contact. Be careful if youre getting constant mailings or calls from a certain company. Legitimate lenders dont need to hound potential customers.

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