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[link widoczny dla zalogowanych] {There is no|There isn't any|There's no|There is absolutely no|There isn't a|You cannot find any} {credit|credit score|credit rating|credit history|credit ratings|consumer credit} {checking|looking at|examining|checking out|verifying|reviewing} {formality|custom|ritual} {is required|is needed|is necessary|is essential|becomes necessary|is called for} {therefore|consequently|as a result|for that reason|thus|hence} {all the|all of the|every one of the|each of the|the many|many of the} {borrower|customer|debtor|consumer|client|lender} are {welcome|pleasant|encouraged|delightful|allowed|desired} {to get the|to obtain the|to find the|to have the|to discover the|to achieve the} {cash|money|funds|income|dollars|hard cash} {whether they|whether or not they|if they|whether|whether or not|when they} are {possessing|having|holding|owning|proudly owning|obtaining} {bad|poor|negative|undesirable|terrible|awful} {records|information|data|documents|files|details} or {good|great|excellent|very good|beneficial|superior} {records|information|data|documents|files|details}. {If you|Should you|In the event you|In case you|When you|For those who} {drowning|sinking|too much water} in {debts|financial obligations|bad debts|obligations|debt|bills} and bad credit {are due to|result from|are caused by|are set to|spring from} {arrears|debts|financial debt|financial obligation|defaults|delinquencies}, {defaults|non-payments|foreclosures|fails}, {bankruptcy|personal bankruptcy|individual bankruptcy|a bankruptcy proceeding|chapter 7|chapter 13}, {insolvency|financial distress|bankruptcy|liquidation|indebtedness|debt}, CCJ's, {IVA|Individual voluntary agreement|Individual voluntary arrangement} {etc|and so on|and so forth|and many others|etcetera|for example}. 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