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and if you have any negatives or not. On top of that, we also consider your credit score. That being said, tell me where does your FICO score stand right now? OR John, I would be doing you a disservice by telling you an exact rate and term without having taken a look at your bank statements. That’s like going to the Doctor and asking him for a diagnosis before he even examines you. l hope you understand, so tell me… OR Listen my friend, this is not like buying something from Walmart or Cost