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It would make a great exam question for my class in consumer protection, and it made me wonder about small-business compliance with consumer credit regulation. There are some that will only look at your record from recent years, and some will be more lenient with giving you credit if it appears that your payment history has steadily improved. If you are refinancing a home or risking foreclosure, Wells Fargo Lending has a variety of products to help you make the best lending decisions.

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