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Every lender in our network is required to adhere to the Fair Debt Collection Practices Act, which protects consumers from being abused or harassed by debt collectors. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies - Experian, Equifax and Transunion.
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It is then your responsibility to read through the terms before signing your loan agreement. WHAT IF I NEED TO MAKE A LATE PAYMENT. Late Payment penalties differ from lender to lender.