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It's used to create your credit score, which is a 0 transfer credit cards no transfer fee number. Many bankruptcies arise from situations like job loss or high medical expenses At this point the bankruptcy will leave the credit report and you will need to start to rebuild your credit. Moreover, the constant rejection can be humiliating and degrading for subprime borrowers. 0% financing offers can be a good deal. This is a very successful technique.
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