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It seems harder and harder to get loans and credit cards, as banks are enforcing more restrictive policies on credit products due to economic slowdown. Borrowers having excellent and very good credit scores may have not felt it as much as people with mediocre and poor credit may. As banks treat the latter as a high credit risk, they simply refuse to approve loan applications made by people with insufficient credit histories and past credit problems. The good news for poor credit individuals is that there are few lenders in the marketplace able to give out loans for riskier credit grades.

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