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O.M.F. is about the easiest company to deal with. Not too many questions to qualify for the cash that you need. I operate off of a nearly debt free system.No mortgage, no car payments. So by that said. Companies are afraid to take a chance on you. My credit scores are 750, and I was turned down by lending club, Upstart, prosper, bestegg, and others. O.M.L. stepped in and gave me my needed cash. They will be my only choice for any future cash needs!?