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You can repay in 5 to 25 years. If you carried a balance on a credit card and got a statement and paid it on time, you still might have residual interest for the days between the statement date and the date you paid. There are several companies out there that actually offer mortgages for people with poor credit scores or history in order to help them rebuild or improve their score. To break the cycle of constant fighting, you need to quit the blaming and stick first to the facts and numbers.