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Fortunately, even if your credit history has some blemishes (think scores below 670), you still have plenty of car loan options from credit unions and other financial institutions. And comparing ...
That also means I have more time to collect all the cars in GT7. I just scored 250,000 more credits for the Spa Gr.3 Online Time Trial, finishing in the Top 90,000 players out of almost 190,000.