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FreshCredit® Inc is not a bank, credit union, credit repair company, or credit reporting agency (CRA). FreshCredit® does not make lending decisions, extend credit, guarantee credit outcomes, or provide financial advice. The FreshCredit Ecosystem™ provides infrastructure that enables third-party providers to build credit and identity products. BlockID™, BlockScore™, BlockIQ™, and The FreshCredit App™ are trademarks of FreshCredit® Inc. All credit decisions are made by providers building on the FreshCredit® platform.