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In response to "but, conversely, if someone can't keep up with smaller payments, why would you trust them with anything larger? -- nm" by Andie

If I make the assumption that they have made all of their payments over the last two years, I would, yes.

Having read many of these horror stories, being 60 days late with a car payment in 2008-2009 is not even worth a yawn, assuming there are not the additional issues spamlet mentions as a possibility.

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