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Now, this may be true if you've missed some payments or have a pattern of paying your bills after their due dates.

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The problem was we had a debt or credit bubble.

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See insurance companies are in business to make a profit nothing else.

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You apply and are interviewed.

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This could happen on a job search.

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You might want to try one of the online banks first, just to see what you find, then try a local bank.

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Contact the three major credit bureaus and ask for a copy of your credit report.