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Patelco denied me


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i applied for a car loan, knowing they pull experian (i live in GA). My EX score is 640ish and i have 5 medical collections for a total amount of $453. The newest collection account is from December of 2002. I have 2 credit cards in good standing - one is almost a year old and the other is very new - i got it february.

i thought that i had a shot at getting approved. i need to get financed and EX is my best score. anyone know who pulls EX for a car loan?

Thanks!

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