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For many hardworking people in our community, a single blemish on a credit report-often from a challenging period years ago-can feel like a lasting financial sentence. This one data point can close the door to mainstream credit, creating immense stress when an emergency strikes.

However, a quiet revolution in financial technology is now helping to rewrite that narrative, offering a second chance to those who need it most.

The old barrier: The traditional credit score

Historic

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