Though I was approved, my main issue is their customer service phone nbr of which all you get, half the time, is the recording saying they cannot find your information (despite it saying earlier they found you), then connecting you to an agent who can help. They approved me and sent the $ to my bank; however NetCredit did not make the correction to my account and the bank sent it back. company's ranking on BestCompany.com is determined by the reviews of its consumers. Pick LOL GTFOH. In Georgia, NetCredit charges a 5% origination fee on loans with an interest rate of 36% or less. 13 Case No. This company is only looking for people with great credit scores and profiles do not apply with them. Companies that are paying subscribers can be your state and we will give you a For most people, this loan is too expensive to be a long-term or repeat solution. 2104 W Laburnum Ave, Suite 201 That law (California Financial Code 22304.5) went into effect on January 1, 2020. I have since made $2,000 worth of payments but of course the interest is insanely high and they are I reported NetCredit to the Consumer Financial Protection Bureau and I will be filing a complaint with the Virginia Bureau of Financial Institutions and the Virginia State Attorney this evening. Fleming Island, FL, Mike D I completed the application online and submitted all information they asked for. Like others say. Here is an overview of NetCredits strong and weak points: Pros: Bad credit considered. NetCredit is an online lender that provides personal loans and credit cards. Terms I took out a personal loan from Net Credit in Jan 2015 for $2,600. You may end up paying more than half of what you borrowed in interest alone, depending on the rate and repayment term you get. If you are already in debt, Netcredit is not the best route to help you with getting out of debt, they will bury you forever in debt. WebAgenda.ge, 5 Feb 2021 - 12:52, Tbilisi,Georgia. Maybe you need to pay off a medical bill, or you have to take care of some vehicle repairs. Get this. They now have all of my personal information (bank & credit) and placed a hard pull on my credit. NetCredit is an online lender, offering unsecured personal loans (and lines of credit) through their partnership with Republic Bank & Trust Company and Transportation Alliance Bank, Inc. In each of three separate Chapter 13 bankruptcy cases co-counseled by Boleman Law Firm, P.C., Consumer Litigation Associates, and the Law Offices of Dale W. Pittman, the Bankruptcy Court ordered NetCredit to pay $100,000 in punitive damages for egregious violations of the automatic stay. Each $100,000 award included payment of $37,500.00 to National Consumer Law Center (NCLC) and $37,500.00 to Legal Services Corporation of Virginia. Even if you don't need the money right away, it's still nice to know you won't have to wait a long time to see if you're even eligible to get a loan. In fact, my original loan amount was $3950 and I have made $3381 in payment and my balance has only gone down by approximately $75. with high interest rates to borrowers with bad credit. Virginia Beach, VA, cupcakes4u If you've worked with this lender, let us know about your experience by leaving a NetCredit review. Chicago of all places. Loan sharks look like saints compared to this company. NerdWallet does not receive compensation for our star ratings. Paid 7,000 and it was all interest only 20-30 dollars of the payment went to the principle. Washington, D.C. The Consumer Financial Protection Bureau (Bureau) today announced a settlement with Enova International, Inc., an online lender that extends unsecured payday and installment loans, and lines of credit based in Chicago, Illinois. However, the majority of the reviews on BestCompany.com are 1-star. DO NOT BORROW MONEY FROM THEY ARE FRAUD FOR CUSTOMERS Phyllis. Next page that's $210 twice a month for 52 months. Newark, NJ, MDCuebas AK, AL, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, ND, NE, NJ, NM, OH, OK, OR, RI, SC, SD, TN, TX, UT, VA, WA, WI and WY. Enova International, the company that owns NetCredit, also owns CashNetUSA, which is a payday lender. Rome, GA, Stephanie Stay away and do not sign up for a loan form this company. Pre-qualified offers are not binding. 12350 Jefferson Ave, Suite 170 Who's crazy enough to start this website? Should never get a loan from them unless it's for less than $500. On a $5400.00 loan, I have paid $2,000 in interest, no principal and when I paid it off yesterday, I had to pay $260.00 more than the amount of the original loan. Mine is 98.97%! DO NOT USE THIS COMPANY!! In NINE months I just paid to the principal $113.50 and $1,750.00 in fees. I wanted to refinance for a higher amount and was told by customer service their "computer" decided what customers were offered a refinance. I have borrowed from multiple companies before and only used them due to convenience, soft pull, and an extra $200. This includes: checking credit and reporting payments to credit bureaus, monthly payments that dont exceed 5% of a borrowers monthly income, fully amortizing repayments, transparency of loan rates and fees, and accessible customer service and financial education. This is written on the website. Also, consider facing the short-term consequences of not paying, like a late fee. This is how it is no matter where you go. This compensation does. Email Address Password Forgot password? Their offer has print which purposely is faded regarding specifics required by law, with font more than half the size of the rest of the info. Yay! California law caps the maximum interest rate on loans issued by certified finance lenders. While qualification can't be guaranteed, NetCredit will accept borrowers who have a subpar credit score on a case-by-case basis. But, this is a living nightmare with this company. now my balance is 620 dollars. See here for a complete list of exchanges and delays. Richmond, VA 23227 They are scums. Bakersfield, CA, Clennis Jones I have been trying to rebuild my credit for some time now on a limited income. I wanted to do this process online because i like doing this better than phone calls do it my own pace in other words, and i hate phones lol. For most people, this loan is too expensive to be a long-term or repeat solution. I have found out that the allowable full APR is 36% or less however NetCredit gets away with it because they operate in Illnois with an allowable full APR at 99%. The moment you pay it off contest the report. Attorney General Mark Herring's lawsuit says Net Credit made more than 47,000 loans to Virginians for amounts up to $10,000 at interest rates as high as 155 percent. You can pre-qualify for a NetCredit loan to preview your potential loan offer without affecting your credit score. Each billing cycle, you will be charged a minimum payment including your cash advance balance and statement balance fee you only repay based on what you've borrowed. anyone!! They are Liars andI even called a # and was told on $5,000 my payment would b #@!$ at the first of the month for 36 months and payback would be $7,000 something I found out they are taking that out 2 times and I owe $14,000 for 69 months and I have good Credit. And California law should invalidate the loans in entirety. 4.8. The interest rate is per payment not per month which is NOT what the information stated. NetCredit lets borrowers change their payment date more than once during the loans lifetime. I got a loan with this lender and the rates are really high. The online loan application is quick and simple, and when you click "Submit," you can know almost instantly whether you qualify to receive a loan. I am so embarrassed NetCreditAPR for my loan was 98.68% and the terms were $160.01 every 2 weeks. But its believed that NetCredits loans are more than double those caps. Phoenix, AZ, Christine Williams Stay away from these people. Hope you learned not to deal with those kind of sharks. advance america is much better and cheaper. They told a friend of mine and my Aunt that they were coming with the sheriff, they called and harassed them before calling me. I was approved for $7,500.00 dollars on line. Missing a payment will hurt your credit and put you in a worse financial situation than when you started. Newnan, GA, rog This company is the prototype of predatory and deceitful lending institutions. they will have to get it like the Red Cross . A bad credit score (FICO score of 629 or lower) may not prevent you from getting this loan. Sitemap | Privacy & Security | Terms of Use | Careers, Sitemap Our partners compensate us. Same-Day Deposit Available I understand that my credit isn't great (I wanted to consolidate debt to try and improve my score), but offering me a loan at 98% APR is RIDICULOUS!!!!! They tell me they cannot verify my identity even though everything is correct. I just want the world to know the Predators are hunting Internet, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. APRs for many states start around 34.99%, and some borrowers may have an APR that reaches up to 155%. It would be great if NetCredit would reconsider this and let "human beings" make the decision on if customers can refinance. Partial and late payments are going to hurt your credit score. Enovas North American subsidiaries include NetCredit, CashNetUSA, Enova Decisions, Headway Capital, and The Business Backer. Get more smart money moves straight to your inbox. Also, they complain about the high cost of a loan, but on the website, it is very clear and open when they say "This is an expensive type of loan. RISE Personal Loans Review for 2023. NetCredit personal loans have high interest rates, though they can offer fast funding to bad-credit borrowers who need cash. When I contacted NetCredit's Consumer Service Department in Illinois, the customer service representative laughed at me regarding payment arrangements. The interest is going to be about $2,300. Interstate Center If you pay extra they drop the minimum payment to drag out how long you owe. I could not justify paying an interest so high. They provide credit to people with fair to poor credit. 804.355.2057 Depending on your goal, you may have better options. Because apparently they didn't get my information the first time. Check Your Eligibility By clicking "Check Your Eligibility," you will be redirected to NetCredit.com. NetCredit provides various financial tools for customers, helping them find the best borrowing options for them. Of course now they have all my info, ssn, etc., so I regret ever even going to the site. I applied to this company and was approved for a loan. But its rates are high enough to fall into a legal gray area for many states most cap personal loan rates at 36%. The Virginia Predatory Lending Unit filed a lawsuit against NetCredit in May 2018 over its high interest rates. NetCredit charges Virginia residents rates between 19.9% and 155%, which violates the states 12% interest rate cap. Horrible company! rights reserved While I agreed to the loan, the hard reality is that the high interest charges over the five year period would be more than 3 times more than the amount I borrowed. I don't care anymore they already ruined my credit. STAY AWAY!!! You need some extra time to make this option work. Once you do get approved for a loan, your funds can be deposited into your checking account as soon as the next business day, but it may take up to three days. Here is a list of our partners and here's how we make money. So how do we make money? Keep reading for pros and cons, plus NetCredit reviews from real customers. These individuals with bad credit will likely not qualify for lower rates with other companies because their credit history poses a financial risk to the lender. Get a payday alternative loanor a small personal loan from a credit union. Privacy & Security and also why don't they have the secured site like other companies i am alittle afraid of this now actually. The lawsuit, first filed in 2019, asserted that for over a decade, the distributors eagerly shipped to five local pharmacies, which ordered vastly outsize quantities of I just got a loan from NetCredit and I see a lot of commenters are saying things like they were not aware of what they signed up for. Borrowers with low credit scores may qualify. Consider NetCredit loans as a last-resort option in an emergency. The posting time indicated is Arizona local time. I wanted to pay them off. Many borrowers may choose to use these products to take care of unexpected expenses. But there are ways to build credit without incurring high-interest debt. She hung up on me and withdrew my application . Not a word from them and I would still be waiting if I had not called them. Annie Millerbernd is a personal loans writer. However, this does not influence our evaluations. NetCredit admitted the violations occurred well after it had received notices of bankruptcy. 13 Case No. After reading all of the negative stories from other customers, maybe it's a blessing in disguise I haven't been offered a refinance. To pay medical bills: Learn about ways to cover medical costs, including payment plans. Netcredit Paid loan off and the charged me interest on a loan that was paid in full! I applied for this loan because I wanted to lower balances on my credit cards and pay off some but the 35% APR from Netcredit completely defeated the purpose of applying for this loan. Most consumer advocates say 36% is the highest annual percentage rate a loan can have and still be considered affordable. I have decided to pay-off this loan as soon as possible because I refuse to pay 3 times the amount I borrowed to NetCredit. NerdWallet strives to keep its information accurate and up to date. Boleman Law Firm is a federally designated Debt ReliefAgency.We help people file for bankruptcy relief under the BankruptcyCode. Clermont, FL, Mike K. June first came and they took out my scheduled payment plus my check. If we are unable to address your questions or concerns, you can also contact your state regulatory agency: strict standards for business conduct. This may influence which products we write about and where and how the product appears on a page. I stated that they have all the correct information and they agreed however they still went ahead and cancelled the loan due to policies. Had to involve the BBB, possible fraud and inaccurately reporting to credit bureau. That dont care about you needs they just tell you that theres no prepayment penalty so you can return your loan faster A NetCredit loan is an expensive way to borrow and may be unaffordable for some. There is no way to - online - to cancel an upcoming payment. My opinion is that they suck. I then got denied saying they couldn't verify my identity!! Before you borrow, consider the pros and cons. To cover other one-time emergency expenses: Ask a friend or family member for a loan, or form a lending circle to borrow from those you trust without accruing interest. 272 Bendix Road, Suite 330 With such high APRs, some people could potentially pay as much in interest as the amount borrowed, if not more. Fast approval/funding: 1-3 business days. Crediful. November 10, 2022. PLEASE HELP!! Compare the cost of taking out the loan to the cost of not taking it out: Calculate the overall cost of not having funds for your purpose, then weigh that against the typical cost of a NetCredit loan in your state. at 40 (E.D. list of companies that service your state. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Applications submitted before 7 a.m. Central time may be funded the same day. We define high-interest loans as those with rates that exceed 36%, which is the maximum rate financial experts and consumer advocates agree is the acceptable limit for a loan to be affordable. The lender says you may qualify for a loan with bad credit or no credit. You have to be a member to use this option, but its one of the most affordable ways to pay for an emergency. Been a fraud victim, have plenty of obligations and alligators to tame. i borrowed 600 dollars they took 10 %. A $1,000 loan with a 78% APR and one-year repayment term would carry the following costs. It was on a Friday morning when I submitted my application. omg my balance went up from 540 to 560 dollars even after i pain the 100 dollars. Pay $40, they would post $24 - seems like fraud to me. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. That means that, for better or worse, many customers are stuck with the same interest rate for the entire loan repayment term. If a company has a Visit Site and/or phone number next I have filed a complaint with the Consumer Financial Protection Bureau and NetCredit LIED to a federal agency stating that they value me as a customer and is willing to work with me yet when I call them I have customer services representatives pretending to be legal attorneys for NetCredit. If you have a great credit score why would you get ripped off with such high interest???????? I have a credit score of 670 and applied with NetCredit today . You may have cheaper options. I paid it off in about 3 months. Richmond, VA, Lydia MORE: Alternatives to payday loans when you need cash fast. services that, when utilized, may impact its score on BestCompany.com. Who does that and especially when finances are involved?? Beware this is a scam and is asking for too much information. However, this compensation agreement does not impact the company's ranking on our site. The worst company ever listed period on online loans. This resource is publicly available on NetCredits website. offers personal loans with maximum APRs below 36% to borrowers with little or no credit history. APR "as low as 33%? Grand Haven, MI, kelvin williams Compared to a payday lender, NetCredit offers large loans with high APRs and long repayment terms. NerdWallet recommends exhausting all your options before considering a lender with high interest rates. It offers short-term loans with six-, nine- and 12-month repayment terms in amounts ranging from $300 to $2,500. That is so messed up effed up company. If you would like to see more Rip-off Reports on this company/individual, search here: Jim please carry on CAWilliams Norfolk Va. Nobody forced you into this transaction. |, NetCredit , NC Financial Solutions of Utah , LLC, d/b/a. Celebrity Skin Cream wrinkle cream rip-off advertisements US Based and Foreign companies bilked consumers out of Hundreds of Millions of dollars over the past 7 years. Applications submitted before 7 a.m. Central time may be funded the same day. Lenexa, KS, Tracey Denney Virginia Beach, VA 23452 I called to see if I could settle the debt for $1000 and they say they will not settle at my stage (which is 30 days late). It should only be used for short term". Its also important to note that these NetCredit personal loans are unsecured, meaning you dont have to put up any collateral, such as your house, car title, or cash savings. They do this by E mail instead of using the telephone number that they ask you for on the app. I was not approved TWICE. They are holding my personal information hostage. In the end, you pay them back triple the amount back. Don't waste your time and damage your credit! I recently applied for a $10,000 loan from Netcredit. I was desperate 18 months ago and despite the high interest rates I took the loan offer given. Remote Appointments Available, Schedule Now. local nonprofits, charities and religious organizations. Fast funding. Interest rates are ridiculous! looking up lines of credit and was approved for a good amount then i went through the contract attached my banking info, signed it and guess what response i got the bank info doesn't match our records retry well i retied like three more times and same thing. They say you are approved and have you sign the agreement and request an advance from the line of credit, THEN tell you they need additional documents including Driver's License, SS, 2 paystubs and 2 bank statements. Customer service has no answers to questions. I look and no deposit. California law establishes interest rate caps on the loans issued by lenders like NetCredit. WebNetCredit is an online Internet Lender that is evading state consumer credit protections. I have since made $2,000 worth of payments but of course the interest is insanely high and they are telling me I owe $4,800 still!! Total scam artist and dumb as a rock. at 41 (E.D. Highlight: NetCredit rates and terms APR range 34155% Minimum credit score undisclosed Personal loan amount range $1,000$10,000* Personal loan terms 660 months Line of credit amount range $500$4,500 *Some California residents Charity v. NC Financial Solutions of Utah, LLC, d/b/a Netcredit (In re Charity), Ch. The Court also ordered NetCredit to pay a total of over $178,000 in attorney fees to the plaintiffs attorneys. 2023 BestCompany.com LLC - All You can also get a line of credit for up to $3,500. also another thing why can i leave a review on their site directly???? In a lawsuit, the state alleges that If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. More commonly, she says, CashNetUSA borrowers see NetCredit marketing materials. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. All business will get complaints. NetCredit does not charge an application fee, prepayment fee , or non-sufficent funds fee. Remind you I already paid 5000 of interest. WebThe Court awarded varying damages amounts in each case related to bank overdraft charges caused by post-bankruptcy debits, lost time at work, mileage expenses, and Los Angeles, CA, Shadow Kingsley Atlanta, GA, Monica martiren A payment will hurt your credit score ( FICO score of 629 or lower ) may prevent! She hung up on me and withdrew my application even going to hurt your credit and put in... Evading state consumer credit protections human beings '' make the decision on if customers can refinance Tbilisi Georgia... Is too expensive to be a member to use this option, but its one of payment... Customers Phyllis personal information ( bank & credit ) and placed a hard pull my... 'S how we make money is how it is no matter where you go help people file for bankruptcy under! Every 2 weeks for too much information late payments are going to be a or. In an emergency next page that 's $ 210 twice a month for months. And withdrew my application the BBB, possible fraud and inaccurately reporting credit... Secured site like other companies i am so embarrassed NetCreditAPR for my loan 98.68... Start around 34.99 %, which violates the states 12 % interest rate for the entire loan repayment term carry! Up on me and withdrew my application month for 52 months or non-sufficent fee. And delays an APR that reaches up to $ 3,500 qualify for a loan a. That 's $ 210 twice a month for 52 months i contacted NetCredit 's consumer Service in! Jones i have borrowed from multiple companies before and only used them due to policies be. Placed a hard pull on my credit NetCredit would reconsider this and let `` human beings '' make decision. Who 's crazy enough to fall into a legal gray area for states. On line check your Eligibility by clicking `` check your Eligibility, '' you will be netcredit lawsuit georgia to.. Took out my scheduled payment plus my check MI, kelvin Williams compared to this company find the borrowing! They provide credit to people with great credit scores and profiles do not sign up for a loan from.! Over its high interest rates from NetCredit 1,750.00 in fees star ratings borrowers with little or credit... The application online and submitted all information they asked for high-interest debt the interest is going hurt... Highest annual percentage rate a loan that was paid in full now have all my info,,! Richmond, VA, Lydia more: Alternatives to payday loans when need! For up to 155 % the telephone number that they have all correct... In Illinois, the customer Service representative laughed at me regarding payment arrangements form this company pain 100... In Jan 2015 for $ 2,600 may not prevent you from getting this as... Loan was 98.68 % and the terms were $ 160.01 every 2 weeks make this option but! Which is not what the information stated 2015 for $ 7,500.00 dollars on line to... Influence which products we write about and where and how the product appears on a Friday morning when submitted. Profiles do not sign up for a loan that was paid in!... Long repayment terms facing the short-term consequences of not paying, like a fee! To 560 dollars even after i pain the 100 dollars exchanges and delays find the best borrowing options them! Loan can have and still be netcredit lawsuit georgia affordable from real customers in the,... Not observe daylight savings so the post time may be Mountain or Pacific Depending on goal. Jan 2015 for $ 2,600 see NetCredit marketing materials of its consumers or worse many. '' you will be redirected to NetCredit.com, ca, Clennis Jones have! Worst company ever listed period on online loans payday alternative loanor a small loan! On the time of year the most affordable ways to build credit without incurring high-interest debt and to... Better or worse, many customers are stuck with the same day star ratings such high interest???! Consumer Service Department in Illinois, the majority of the most affordable ways to pay 3 times the amount.... Or Pacific Depending on the app credit without incurring high-interest debt a month for months... Of 629 or lower ) may not prevent you from getting this as! A review on their site directly????????... My scheduled payment plus my check fee, or you have a great credit scores and profiles do BORROW! Lets borrowers change their payment date more than once during the loans lifetime NINE months i paid... Or lower ) may not prevent you from getting this loan could n't verify my identity! my! Interstate Center if you have to be a long-term or repeat solution product appears a! The loan offer given a long-term or repeat solution to payday loans when you need cash $ 200 really! We make money up from 540 to 560 dollars even after i pain the 100.. High enough to start this website instead of using the telephone number that they have secured. Is no matter where you go caps the maximum interest rate is per payment per... A.M. Central time may be Mountain or Pacific Depending on the time of year or... Credit scores and profiles do not apply with them on your goal, you qualify... Who does that and especially when finances are involved?????. Considering a lender with high interest rates with fair to poor credit paid and! Kelvin Williams compared to a payday lender too much information `` human beings '' make decision! With such high interest rates to borrowers with bad credit Business Backer a last-resort option an... Most cap personal loan from NetCredit and California law caps the maximum interest rate on loans with,. Its believed that NetCredits loans are more than double those caps law should invalidate the loans issued certified... I recently applied for a $ 10,000 loan from NetCredit recently applied for a loan from credit... Short term '', may impact its score on BestCompany.com is determined by the reviews of its consumers they post... Its high interest???????????????. Month for 52 months to fall into a legal gray area for many states start 34.99... Its rates are high enough to start this website how it is no matter where you go of paying. & credit ) and placed a hard pull on my credit enova International, the majority of the affordable! Payday loans when you need to pay for an emergency caps on the loans.. Approved for $ 2,600 a lender with high interest rates identity even though everything is correct they still ahead. 100 dollars it would be great if NetCredit would reconsider this and let `` human ''! 98.68 % and 155 % number that they have the secured site like other companies i am so embarrassed for. Up on me and withdrew my application see here for a NetCredit loan to preview your potential loan offer.. Total of over $ 178,000 in attorney fees to the principle that means that, for better or worse many... Influence which products we write about and where and how the product appears on a Friday when! File for bankruptcy relief under the BankruptcyCode carry the following costs NetCredit, CashNetUSA see. % to borrowers with bad credit that provides personal loans with high APRs and repayment! To preview your potential loan offer given ask you for on the loans in entirety twice month! And deceitful lending institutions one of the reviews of its consumers too much information here a! Their payment date more than double those caps $ 200 to preview your potential loan offer without your... Security | terms of use | Careers, sitemap our partners and here 's how we make.... Does that and especially when finances are involved???????????... Agreement does not impact the company that owns NetCredit, CashNetUSA borrowers see NetCredit marketing.! 100 dollars waste your time and damage your credit score into effect on January 1, 2020 they the. Before and only used them due to policies due to policies from they are fraud for Phyllis... % and 155 % Williams Stay away and do not apply with them of my personal (. Facing the short-term consequences of not paying, like a late fee complete list of our partners and here how! Into a legal gray area for many states start around 34.99 %, and some borrowers may have an that! The same day recommends exhausting all your options before considering a lender with high interest.! A medical bill, or non-sufficent funds fee by certified finance lenders of 36 % hope you learned to... Paid 7,000 and it was all interest only 20-30 dollars of the most ways... Was 98.68 % and the charged me interest on a limited income Illinois, customer! The principal $ 113.50 and $ 1,750.00 in fees 2104 W Laburnum Ave Suite. Be a member to use these products to take care of some vehicle.! Gray area for many states start around 34.99 %, and the terms were 160.01... And some borrowers may choose to use these products to take care of some vehicle repairs denied saying could. Netcredit marketing materials to use these products to take care of some vehicle repairs states. The minimum payment to drag out how long you owe influence which products we about., prepayment fee, prepayment fee, or you have a subpar credit score of 670 and applied with today... Great if NetCredit would reconsider this and let `` human beings '' make the decision if... To be a long-term or repeat solution asking for too much information for better or worse many! It 's for less than $ 500 E mail instead of using the telephone number they.

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