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There are many reasons someone can find him or herself without a substantial credit history — creditors who don't report financial history, paying with cash in lieu of credit, accounts that have been inactive for seven years or more — but whatever the reason, lacking a credit history can result in a higher degree of difficulty in acquiring a loan.
The lender retains the vehicle title or some other form of security interest during the duration of the loan, while the borrower retains physical possession of the vehicle, direct lender payday loans
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) Specifically, the Bureau requests comment on whether there currently exist sufficient norms around the levels of such factors that are and are not consistent with a consumer's ability to repay, such that a requirement for a lender to “consider” such factors would provide adequate consumer protection, as well as adequate certainty for lenders regarding what determinations of ability to repay would and would not reflect sufficient consideration of those factors.
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