um hi this is Claire Adams with upgrade Financial I'm calling you about your inquiry we've re-evaluated your previous request for 45,000 and thanks to recent updates to our underwriting process you now qualify even if you were previously denied if you're still interested in a loan to help with personal expenses or to consolidate your bills please give us a call back toll-free at █████ so we do ask you to call today or you can also call to decline the offer and opt out