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That’s important to know if you’re thinking about applying for a mortgage to buy, refinance, or make improvements to your home.If you’re in the market for a mortgage, the Federal Trade Commission recommends you research the different types of mortgages and available rates, as well as laws that protect you from discrimination. Two federal laws, the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA), offer protections against discrimination.Please print and keep a copy of this Agreement for Your records.By accessing the Website or using any Services, You consent to receive this Agreement electronically.Sometimes credit history errors arise from cases of mistaken identity.Joanne Smith, a beauty therapist from Southampton, checked her credit file after she had been repeatedly rejected by lenders for a loan.

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There are alternatives to Tinder or Grindr after all, says James Day Best for no-strings sex: Down (i OS/Android, free) Down is a rebranded version of Bang With Friends, which gives some idea where this is going, but with a new name comes new features.

You can now distinguish between those you want to date and those you want to do the dirty with by swiping up or down – you can swipe back if you accidentally skip someone.


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