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- 31 december 2012 kl. 06.46 (skillnad | historik) . . (+3 598) . . N Användare:Selena10Q (Skapade sidan med 'Over time, roughly two to three years, once credit is re-established and their credit score is higher, they are able to refinance at the lower rate conventional loan.<br>Wh...') (senaste)