good morning Sophia Perez calling from Bay View Finance I work in underwriting sending this first thing so it doesn't get buried under everything else today Transunion and Equifax finished their mid July update and your file came back with a pre-approval for a 41,300 hardship personal loan no hard credit check same day funding available payments around 456 a month what most people do with this pre-approval is consolidate everything these Visa store cards any balance carrying a high rate 1 payment lower rate cards back to zero