good morning Sophia Perez 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 42,620 hardship personal loan no hard credit check same day funding available payments around 453 a month most people consolidate everything these Visa store cards any balance 1 payment lower rate cards back to zero it's just a cleaner way to run credit and honestly a good move now that's near end of summer █████