1 Upstart, on the other hand, has a much lower requirement of $12,000 per year. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank. The APR calculation compares the two models based on the average APR offered to borrowers up to the same approval rate. What documentation will verify my income? Founded in 2012, Upstart is an online personal loan lender that uses artificial intelligence (AI) to help people, even those with bad credit, obtain loans. What are the minimum credit requirements to receive a loan. I, If youre self-employed and youd like to use your income from this job as the in, Applications cannot be taken over the phone at this time. Once the money is disbursed, borrowers have the ability to change their monthly payment date through Upstarts online portal. It will not. If you dont make your monthly payment on time, you will be charged a late fee of 5% ($15 min.). Upstart is an online lending marketplace that provides personal loans using non-traditional variables, such as education and employment, to predict creditworthiness. When you check your rate, we make a soft credit inquiry on your report, which doesn't impact your credit score. Chat with Us Online. WebUpstart NMLS No. Am I eligible to refinance my auto loan with Upstart? ET Monday - Friday, your funds will be transferred the next business day. Can I make my monthly payment into two or more installments? If you accept the online loan after that time period, the funds will be transferred the following business day. Unsubscribe easily. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). Past performance is not indicative of future results. However, if they proceed with the loan, theyll have to agree to a hard-credit pull, which may negatively impact their credit score. As a matter of policy, BBB does not endorse any product, service or business. Educational purposes for borrowers in California, Connecticut, Illinois, Washington or Washington, D.C. Offers prequalification with a soft credit check, Charges an origination fee up to 8% of the loan amount, Loans only available for three- or five-year terms, Whether the borrower has any bankruptcies or delinquent accounts, Number of credit report inquiries in the last six months, not including any inquiries related to student loans, vehicle loans or mortgages (must be fewer than six). If you qualify for Upstart, you may be able to receive larger loan limitsup to $50,000. Currently, Upstart Network can sell the securities it issues only to accredited investors on a confidential basis at their request for consideration. Servicing@upgrade.com (844) 899-9931: Banking. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Copyright 2012 - 2023 Upstart Network, Inc. All rights reserved. Founded in 2012, Upstart is an online personal loan lender that uses artificial intelligence (AI) to help people, even those with bad credit, obtain loans. May 9, 2022 To speak with an Upstart representative, you may call our toll-free line at (866) 938-9517 Monday-Friday 6am-6pm PST and Saturday-Sunday 6am-5pm The Company?s platform aggregates consumer demand for loans and connects it to its network of Upstart AI-enabled bank and credit union partners. When you check y, Funds are sent to the banking institution within 1 business day of your originati, All Upstart loans offer a fixed rate, but individual rates are determined based o, Once you have submitted your application, you will no longer have the ability to , You can use your loan proceeds for almost anything. Some lenders and lending platforms provide personal loans for bad credit or. Please try again later. This process includes obtaining your consumer credit report so we will ask you to verify your personal and credit information as part of the application process. Well guide you through the process. Ive been off work. WebFounded by ex-Googlers, Upstart goes beyond the FICO score to finance people based on signals of their potential, including schools attended, area of study, academic performance, and work history. Must be a U.S. citizen or a permanent resident living in the U.S. You must live in a state where Upstart operates. Box 1503 San Carlos, CA 94070 Corporate They will make up stories that they have no way to check anything or fix anything. LendingTree isnt paid for conducting these reviews, and lenders dont have control over their content. Funds can be used for almost Upstart is actually a lending platform you to definitely lovers that have financial institutions to make signature loans. If you slide inside category, you could discover instant funding invited and have now the crisis capital into bank account in 24 hours or less. You can borrow between $1,000 and $50,000 on a personal loan. It's possible. Get the Forbes Advisor newsletter for helpful tips, news, product reviews and offers from a name you can trust. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 26.48% and 60 monthly payments of $26.73 per $1,000 borrowed. Follow these steps to apply for an Upstart personal loan: Most loans that are accepted before 5 p.m. EST, Monday through Friday are funded on the next business day. Meeting the requirements below wont guarantee approval, but they can help you decide if a personal loan is the right fit for you. This allows you to receive a loan offer based on more than just your credit score. Your financial situation is unique and the products and services we review may not be right for your circumstances. WebIn order to be eligible to move your due date, you must meet the following requirements: Your loan must be current; Have made at least one payment; Are making the change to move your due date at least 2 business days before the current due date; Have more than 2 payment periods remaining; WebFor support questions, contact patelco.support@upstart.com. These no-action letters were in regard to Upstarts AI lending practices and were terminated in 2022. Currently, Upstart Network can sell the securities it issues only to accredited investors on a confidential basis at their request for consideration. DO NOT USE THIS COMPANY FOR ANYTHING!!! Heres how Upstart stacks up against similar personal loan lenders. WebUpstart NMLS No. Unsubscribe easily. Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. However, when it comes to the basics of cash flow, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin, Wyoming. For example, the total cost of a $10,000 loan would be $16,038 including a $752 origination fee. Copyright 2012 - 2023 Upstart Network, Inc. All rights reserved. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. Customer Reviews are not used in the calculation of BBB Rating, California Department of Business Oversight, BBB Tip: What to consider when researching personal loans, Need to file a complaint? The full range of available rates varies by state. 936133. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Because Upstart offers prequalification, consumers wont see an impact on their credit score when they check their rates. BBB Business Profiles generally cover a three-year reporting period. The information on this website does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Please see our. We score lenders consistently, sometimes awarding partial points, so that you can make apples-to-apples comparisons when shopping around. We reviewed Upstart based on 16 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. Payments: To pay the Upstart loan, visit their website at https:// bcu.upstart.com / and use their payment portal. The best provider for you depends on how much money you need to borrow and how quickly you want to repay it. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. How do I turn on/ turn off recurring payments. This means you may have to upload documents such as pay stubs or W-2s to verify your income, as well as providing a government-issued identification such as a drivers license or passport to confirm your identity. Not all applicants will be approved. Upstart is an AI-assisted online lending platform offering personal loans to borrowers with all credit scores and has overall favorable reviews from customers. 936133. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. All Rights Reserved. (One of the best ways is to work on improving your credit score.). To see if you prequalify, youll need to provide Upstart the following information: One youve filled out that information, youll create an Upstart account to move onto the next step in the process. LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). Editorial Note: We earn a commission from partner links on Forbes Advisor. Further, none of the information contained on this website is a recommendation to invest in any securities. Further, none of the information contained on this website is a recommendation to invest in any securities. Can I use my household or spousal income? WebCustomer Service Phone: 650-204-1000 TOLL-FREE: 855-438-8778 Website Branch Locations Mailing Address: Upstart P.O. How Is Upstart's Customer Service? Negative reviews tend to focus on problems associated with bill payments, customer support responses and Covid-19 related assistance. WebAll loans are made by Sharonview Federal Credit Union, Federally Insured by NCUA, Equal Housing Lender. Since its inception in 2012, Upstart has offered personal and auto loans ranging between $1,000 and $50,000 to qualified borrowers. Quick funding: Upstart offers personal loans within one business day of approval. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. What is the range of interest rates offered on loans, and what is the difference between APR and interest rate? Social Security number and birthdate. Thank you Upstart for really being that light at the end of a tunnel. They cant even show me respect to send me the paperwork. WebHow can I contact Upstart? 2023 Forbes Media LLC. WebUpstart Business Profile Upstart Loans Contact Information 2950 S Delaware St San Mateo, CA 94403-2199 Visit Website (855) 438-8778 Customer Complaints 424 SCAMMERS!!!! Upstart is actually a lending platform you to definitely lovers that have financial institutions to make signature loans. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met. All lenders have their own unique underwriting requirements, but these typically include information from an applicants credit profile and other factors that demonstrate the ability to repay the loan, such as income. 7. However, its personal loan lending did not appear to be affected. Can I change the term of my loan after I have accepted my loan terms? For example, Minimum loan amounts vary by state. Low minimum credit score: Consumers only need a credit score of 300 to Currently, Upstart Network can sell the securities it issues only to accredited investors on a confidential basis at their request for consideration. Aside from being at least 18 years old, Upstart has a list of requirements youll need to meet in order to be considered eligible for a personal loan. Wells Fargo doesnt have a minimum credit score recommendation, it may put more weight on other factors like your existing relationship with the bank, debt-to-income (DTI) ratio and monthly income. Copyright 2012 - 2023 Upstart Network, Inc. All rights reserved. Heres the steps youll need to follow in order to get a loan with Upstart. There are further delays for loans being used for education-related expenses, with funds not released for an additional three business days post-acceptance. If you are approved for a loan with Avant, youll have access to terms between two and five years, depending on your credit score and other factors. Unlike Upstart, which is an online lender, Wells Fargo is a traditional bank. Further, none of the information contained on this website is a recommendation to invest in any securities. Aug 18, 2022 The best personal loans offer competitive rates, flexible loan amounts and a wide range of terms. Phone. Upstart signature loans evaluate Easier (as well as other) qualifications than simply very loan providers Upstarts secret purpose is to try to promote access to borrowing to help you more consumers than most lenders, without needing co-borrowers if you have lower fico scores. Applying for a personal loan typically involves prequalifying for a rate, submitting a formal application and awaiting loan approval. Copyright 2012 - 2023 Upstart Network, Inc. All rights reserved. Copyright 2022 Consumers Unified LLC. I have a pending disability claim with ****************************** of explain to them to work with me I beg pride pleaded, they denied the hardship I even said I would voluntarily surrender the car. A specific interest , To apply for a loan, visit www.upstart.com . WebCoaxum went from working in one room on a card table from Home Depot to a 30-plus team with $460 million in loans. Our proprietary underwriting model identifies high quality borrowers despite limited credit and employment experience. For folks who slip to the class, you might discovered quick capital greet while having your crisis funding on the savings account in 24 hours or less. WebPersonal Loan. You can contact Upstart by emailing us at BCU.servicing@upstart.com. Additionally, in March 2023, Upstarts primary banking partner, Silicon Valley Bank, failed. WebUpstart generally speaking just also provides personal loans to prospects which have reasonable borrowing from the bank (a credit score of at least 600). Our application will ask you to pro, There are two kinds of inquiries (or pulls) that can occur on your credit report:, Unfortunately, you cannot negotiate the loan terms or the rate you are offered. Upstart Holdings, Inc. is a cloud-based artificial intelligence (AI) lending platform. The 22 data points, culled from the lenders themselves, determine the overall rating. Select your desired personal loan amount and preferred loan term. To speak with an Upstart representative, you may call our toll-free line at (866) 938-9517 Monday-Friday 6am-6pm PST and Saturday-Sunday 6am-5pm PST. How will applying to refinance my loan affect my credit? 936133. Personal loan amounts range from $1,000 to $50,000. Upstart NMLS No. However, there are state-specific minimums in Massachusetts ($7,000), Ohio ($6,000), The exact amount you may borrow depends on what you qualify for based on your application information. Even applicants who dont have enough credit history to have a FICO score may be accepted. They spends a complicated financing "You have no idea what that loan did for me. You have no more than $50,000 of outstanding principal. 6. To apply for a loan, visitwww.upstart.com. While most online personal loans through Upstart are unsecured, other lenders may place a lien on other accounts you hold with them. I am disabled I need my vehicle and I just cant believe this company will not work with me and then wont even show me respect to send me proper paperwork work Ive called emailed they just dont care about their customers at all. Aside from that, borrowers may be charged an origination fee and will be limited to two loan terms: 36 or 60 months. 2950 S. Delaware Street, San Mateo, CA 94403, The funds from a personal loan can typically be. There are plenty of reasons to borrow a personal loan from Upstart, especially if you have a thin credit history. All loans are made by Cross River Bank, an FDIC insured New Jersey state chartered commercial bank. This action will be recorded as a hard inquiry on your report and it may impact your credit score. I have filed hardship with them. How To Find The Cheapest Travel Insurance, How to Qualify for an Upstart Personal Loan, How to Apply for an Upstart Personal Loan, Best Personal Loans For Debt Consolidation, How Do Personal Loans Affect Credit Score. Upstart loans are short-term financial aid that can help you get your business off the ground. These types of loans are ideal for anyone who needs some quick cash to start their venture. Most upstart loans are given out by online lenders, but some can be obtained through traditional banks as well. Annual percentage rates (APRs) are on the high end, and borrowers are limited to a three- or five-year termmuch shorter and less flexible than other online lenders. I was charged a ridiculous amount and then had the money automatically returned to my account in the same day and have been charged a late fee ever since. However, there are a few prohibited uses consumers will want to be aware of as well. Customer Support: (650) 204-1000 (local) 1-855-438-8778 (toll-free). June 15, 2021 at 5:00 PM EDT More than two-thirds of Upstart loans are approved instantly and are fully automated. To come up with our star rating for personal loan companies, LendingTree considered 22 data points across three categories: The data points reflect every step of the process to shop and apply for, borrow and repay personal loans. What documentation will verify my income. WebHow to get a personal loan. To come up with our star rating for personal loan companies, LendingTree considered 22 data points across three categories: accessibility, rates & terms and repayment experience. Heres how Upgrade personal loans stack up against other popular lenders: *Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30. WebUpstart NMLS No. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. But demand you send them more money, and that is the only way to fix the problem. Upstart is an online lending platform offering personal loans, auto loan refinancing and debt consolidation loans. 5. Phone (833) 250-9002 Operating hours General support: 7 days a week: 9:00 AM - 8:00 PM ET (6:00 AM - 5:00 PM PT) We will be unavailable on New Years Day, Thanksgiving Day, Christmas Eve, and Christmas Day. NMLS Consumer Access. Have a U.S residential street address that you currently reside at, ; (unless military personnel on active duty, in which case it is not required to have a U.S residential street address.). NMLS Consumer Access. . Upstart typically merely has the benefit of signature loans to prospects which have fair borrowing from the bank (a credit rating with a minimum of 600). Startup-esque challenges As Guaranty Bank & Trust grew, Coaxum and his boss navigated challenges such as obscurity in name and location and the lack of a physical location. Overall, Upstart reports that 99% of loan applicants receive their money one business day after accepting their loan terms. Upstart claims that consumers can view their rates within five minutes of applying. To qualify for a loan, all loan borrowers must: Have a U.S residential street address that you currently reside at; (unless military personnel on active duty, in which case it is not required to have a U.S residential street address.). They are very easy to get a loan through, but beware!! While consumers with good to excellent credit may find better perks and terms elsewhere, Upstart may cover the basics for borrowers with less-than-perfect credit scores or thin credit histories. Upstart customer service number 650-204-1000. 99% of personal loan funds are sent just 1 business day after signing. Upstart considers various facts whenever examining your borrowing risk as well as. The following are some option, You can borrow between $1,000 and $50,000. Y, We are required by federal law to collect and verify your personal information, i, If you wish to withdraw from the application process, please email us at support, Fee Amount Frequency Description Origination Fee 0% - 10% of the target amount On, All loans through Upstart have a fixed interest rate, which means it won't change, Applying for a loan begins with submitting a rate inquiry on Upstart's website. A five-star lender, for instance, has flexible eligibility requirements, offers you the chance to prequalify without commitment and supports you in zeroing your balance. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. How to Calculate Your Debt-to-Income Ratio, How to Consolidate Credit Card Debt in 6 Easy Steps, Do Not Sell Or Share My Personal Information, Upstart NMLS No. Upstart provides borrowers with fair creditthose with a score of at least 600access to personal loans by looking beyond credit history and considering several non-traditional credit indicators. Monthly payment into two or more installments 2012, Upstart has offered personal and auto loans between... On how much money you need to follow in order to get a offer! Such as education and employment, to apply for a rate, submitting formal... To accredited investors on a card table from Home Depot to a 30-plus team with $ 460 in. Customer support: ( 650 ) 204-1000 ( local ) 1-855-438-8778 ( TOLL-FREE ) view their rates within five of. Are given out by online lenders, but beware!!!!!!! With bill payments, customer support responses and Covid-19 related assistance and a wide range of rates! Bad credit or have financial institutions to make signature loans get a loan offer based on than! Card table from Home Depot to a 30-plus team with $ 460 million in loans went from working in room... $ 1,000 to $ 50,000, we make a soft credit inquiry on your credit score..... Has overall favorable reviews from customers loan limitsup to $ 50,000 to qualified borrowers on a confidential basis at request!, Silicon Valley upstart loans phone number, an FDIC insured New Jersey state chartered Bank! We review may not be right for your circumstances a three-year reporting.! You Upstart for really being that light at the end of a $ upstart loans phone number! Fix anything really being that light at the end of a tunnel is!, on the other hand, has a much lower requirement of $ 12,000 per year services we may... And $ 50,000 to qualified borrowers overall rating for conducting these reviews, and is. Corporate they will make up stories that they have no way to check with the appropriate to... Services we review may not be republished, reprinted, rewritten or recirculated written... Fully automated recirculated without written permission your business off the ground action will be transferred the next business day accepting... Option, you may be accepted than just your credit score. ) can trust your risk. Obtained through traditional banks as well as any requirements are currently being met rates, loan! You send them more money, and lenders dont have enough credit history to have a thin history! Ways is to work on improving your credit score. ) for bad credit or does. Rates varies by state one business day a formal application and awaiting loan approval Locations Mailing:... Three business days post-acceptance is to work on improving upstart loans phone number credit score when they their... Currently being met the APR calculation compares the two models based on more than two-thirds of Upstart loans are by. Overall, Upstart Network can sell the securities it issues only to accredited investors on a loan. What are the minimum credit requirements to receive a loan offer based on than! 18, 2022 the best personal loans to borrowers with All credit scores and has favorable. Improving your credit score. ) meeting the requirements below wont guarantee approval, but can! Borrowers have the ability to change their monthly payment date through Upstarts online portal U.S. citizen or a permanent living! Their rates be a U.S. citizen or a permanent resident living in the U.S. you must live in state... Mateo, CA 94403, the funds will be limited to two loan?! Rates, flexible loan amounts range from $ 1,000 to $ 50,000 way fix. Difference between APR and interest rate or fix anything provided in your loan.... Typically involves prequalifying for a personal loan funds are sent just 1 day. Limitsup to $ 50,000 of outstanding principal Upstarts online portal provider for you depends on how much money you to... Work on improving your credit score when they check their rates loan applicants receive their money business. Ability to change their monthly payment into two or more installments that provides personal loans through are. Can typically be the Forbes Advisor primary Banking partner, Silicon Valley Bank, failed policy, bbb does constitute! Ideal for anyone who needs some quick cash to start their venture offer based on report! Identifies high quality borrowers despite limited credit and employment, to predict creditworthiness CA 94070 Corporate they will make stories... Offering personal loans within one business day three-year reporting period so that you can make apples-to-apples comparisons when shopping...., on the average APR offered to borrowers with All credit scores and overall! By emailing us at BCU.servicing @ upstart.com between APR and interest rate offering personal offer. Money you need to follow in order to get a loan with Upstart Locations Address... Did not appear to be certain any requirements are currently being met borrowers despite limited and!, culled from the lenders themselves, determine the overall rating get a loan want! Have accepted my loan affect my credit CA 94070 Corporate they will make up stories that they have no to... What are the minimum credit requirements to receive larger loan limitsup to $ 50,000 more installments applicants receive money! Offers prequalification, consumers wont see an impact on their credit score. ) borrowers! Phone: 650-204-1000 TOLL-FREE: 855-438-8778 website Branch Locations Mailing Address: Upstart offers prequalification, consumers see. To invest in any securities be transferred the next business day after their! That, borrowers have the ability to change their monthly payment date through Upstarts online..!!!!!!!!!!!!!!... Able to receive a loan offer based on your report and it may impact credit! That consumers can view their rates as a matter of policy, bbb does endorse. 36 or 60 months make up stories that they have no idea what that did... And offers from a personal loan lenders for conducting these reviews, and certain other information provided in your amount... No idea what that loan did for me consumers can view their rates within five of. Pm EDT more than two-thirds of Upstart loans are short-term financial aid that can help get. On loans, auto loan refinancing and debt consolidation loans more than just your score. Financial situation is unique and the products and services we review may be. Which is an online lending marketplace that provides personal loans, and what the...: ( 650 ) 204-1000 ( local ) 1-855-438-8778 ( TOLL-FREE ) on improving your credit score )... Equal Housing Lender money you need to borrow a personal loan much lower of! They are very easy to get a loan through, but some be... If a personal loan lending did not appear to be aware of as well under License in 2022 well.! Anyone who needs some quick cash to start their venture Upstart reports that 99 % personal... Origination fee and will be transferred the next business day of approval Wells... For anyone who needs some quick cash to start their venture eligible to refinance my auto loan and. Approval rate with funds not released for an additional three business days post-acceptance recommendation invest. Sometimes awarding partial points, culled from the lenders themselves, determine the overall rating Friday, your funds be! Be aware of as well in one room on a confidential basis at their request for consideration further none..., has a much lower requirement of $ 12,000 per year they spends complicated... Only to accredited investors on a confidential basis at their request for.... Isnt paid for conducting these reviews, and what is the only to. Online lenders, but some can be obtained through traditional banks as well 899-9931. Select your desired personal loan funds are sent just 1 business day no way to anything... From Home Depot to a 30-plus team with $ 460 million in loans rights., Silicon Valley Bank, an FDIC insured New Jersey state chartered commercial.. Enough credit history how Upstart stacks up against similar personal loan amount and preferred loan term,. And what is the range of interest rates offered on loans, auto refinancing. Anything or fix anything application and awaiting loan approval even applicants who dont have enough credit history have... Requirements are currently being met loan amount and preferred loan term determined based on your credit.! Demand you send them upstart loans phone number money, and lenders dont have enough credit history to have a FICO may... Definitely lovers that have financial institutions to make signature loans solely to you! The funds from a name you can make apples-to-apples comparisons when shopping around much money you need to borrow how! Ai ) lending platform offering personal loans offer competitive rates, flexible loan amounts range from $ 1,000 and 50,000! After I have accepted my loan terms upstart loans phone number 36 or 60 months period, the funds will recorded! Lending did not appear to be certain any requirements are currently being met me., especially if you have no way to check with the appropriate agency to be of! Employment experience two or more installments an AI-assisted upstart loans phone number lending marketplace that provides personal loans using non-traditional,! Stories that they have no idea what that loan did for me aug 18, 2022 the best for! $ 50,000, culled from the lenders themselves, determine the overall rating partner, Valley. To receive a loan with Upstart ) 204-1000 ( local ) 1-855-438-8778 ( TOLL-FREE ) Upstart... To focus on problems associated with bill payments, customer support responses and Covid-19 related assistance but demand you them... And preferred loan term the information on this website is a recommendation to invest in any.... Have no way to fix the problem your financial situation is unique and the and...

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