Subject: Horizontal view of the words aLOAN DENIEDaA stamped in red ink on the borroweraas signature page in a pile of mortgage loan application papers.
A customer's request to consolidate his loans is being rejected by banks because of his weak credit score. He wants to bring his monthly payments to a manageable amount. Photo: Getty Images

‘I have paid off several debts, but have a low credit score. Why won’t banks lend to me?’




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