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London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
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hippy
How do you know your credit score is bad?
Debt does not necessarily equate to a bad credit score.
As a point of note - scores / ratings are also entirely arbitrary and proprietary to the lender. It's unlikely that you will be told what the criteria are for being loaned to, although some lenders may discuss details with you when you apply for more debt.