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Most of this info is false. You are not going to get approved anywhere with a 650 score...not a store, not a pc, not a car. The change in the privacy act and fair reporting acts changed the buying structures of the lenders. You are what we call, sub prime. Your credit isnt bad, but you do not have enough to qualify for anything of value. You will get cards backed by discover, like a walmart card or zales. They wont give any decent limit though, but its a way to build.
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