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Now you can solve all your monetary problems with the help of Installment loans. All the consolidation loan can do governjent help you speed up the plan to wipe out this debt. 100 payment history, no Derogatory Marks, 4 total credit cards, 2 credit utilization ratio, 9 months of average credit history. Use your credit card only in extenuating circumstances, and monitor your loans and bills closely. Your credit score may have improved over governmet time.