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Go to productreview.com.au, makikita mo daming bad reviews about them.
Lesson learned, wag mag inquire online sa mga banks/loan institution as it can affect your credit score or limit the # of inquiries.
Kung wala kang default payments on your bills/loans, no online inquiries on loans sa mga banks or other loan providers, your credit score should be fine and you should be approved to get a loan.