good morning Sophia Paris calling from Bay View Finance I work in underwriting getting to you early on this it's worth reading before anything else hits your plate today Transunion and Equifax finished their August update and your file came back with a pre-approval for a 41,370 hardship personal loan no hard credit check same day funding available payments around 451 a month what most people do with this pre-approval is consolidate everything █████ Visa store cards any balance carrying a high rate 1 payment lower rate cards back to zero