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FDIC Financial Institution Letter FIL-50-2007, Affordable Small-Dollar Loan Guidelines (June 19, 2007).
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They had a section at the bottom outlining how to make an FSA ID, which is one of the things they ask for when you call in to respond to the letter, and it sounded most convincing to me.
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Being 60 days late or more on a student loan or credit card payment could damage your credit score as much as 100 points.