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And lenders with higher interest rates, usually don't charge as much in fees. If any collectors called they were in contempt of court and they would have been fined. The more I worked with people and their credit scores the more frustrated I became with the credit bureaus and all their secrecy about their scoring models and what it was really going to take to raise their scores.
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Whether the government can get UK house buyers to change their ways remains to be seen.