because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. is making sure our troop overseas who won't be home for the holiday-- still get a little christmas cheer. the "blue star mothers" recruited a whole pack of community members from students... workers... business owners.. and even fox5's own "les krifaton"-- to help stuff stockings for our troops. they've collected over one thousand items to ship with the stockings-- hoping to brighten their day and also to thank them for their sacrifice. "you know, i can just imagine as one of them opens up the stocking with the care packages that are in there and the little notes that the kids do from school and they open it up! i can just imagine how they feel. the support coming from our community here in henderson." "everybody here time of year and wonderful thing to do for our veterans that we really support." the blue star mothers is a volunteer organization-- comprised of moms wit

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. sails to the top spot in the box office... earning more than 81-million dollars. this makes it the second best thanksgiving weekend opening of all time... second only to "frozen". fox's kerin ( ) mccue learns more about moana's soundtrack. disney's animated feature "moana" road an impressive wave of success pp thanksgiving holiday weekend with more than $81 million in it's 5 day opening. the soundtrack is co-written by "hamilton" tony winner lin manuel miranda, who got this gig about 6 months before rehearsing for his hit broadway show. miranda says the songs have an empowering message that fit with the film. miranda says: "the fun of moana is that we're also, in addition to telling moana's incredible

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. visit experian.com/all3 right now. stores to start their holiday shopping... and apparently -- there's a method to the madness for retailers. mary moloney stores use psychology to influence what you buy. stores are using psychology and research to encourage shoppers to open their wallets. for instance -- if items are on the middle of a shelf and if a price ends in nine studies show people are more likely to buy. how sales clerks treat customers may also influence shoppers. but according to a study the nice guy doesn't always finish first. in fact rude sales people in luxury stores can cause customers with lower self-esteem to spend more. and if you think the music yo random -- think again. the right genre can make shoppers happier and lose track of time. studies show pop music leads to impulse buys. whereas shoppers may not pay attention to lesser known music and instea

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident visit experian.com/all3 right now. with our $3.50 sub of the day, there's never been a better time to try something deliciously different. every day of the week, all with no artificial flavors. the $3.50 sub of the day we took an already great lineup and made it better. its time for fox5 news at 5. donald trump tweets a controversial comment about burning the american flag. how folks are reacting from both sides today. a homcide suspect who escaped police custody is now being accused of two other murders. fox5 is breaking down the arrest reports to bring you the latest on (captioning will resume shortly) this is fox5 news at 5. local. las vegas today donald trump's tweets are stirring up more controversy. the president elect tweeted this: "nobody should be allowed to burn the american flag. if they do there must be consequences..pe rhaps loss of citizenship or year in jail." are speaking out both in favor of and against trump's words. fox5's kathle

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. visit experian.com/all3 right now. from uber drivers to fast food workers.. the "fight for 15" campaign rages on. find out how the move will effect las vegas today. the 32nd annual national finals rodeo gallops into town this week. we'll tell about all the fun the 10-day event brings to las vegas. good morning.. i'm jason feinberg. and i'm monica jackson.. welcome to fox5 news this morning. first - cassandra jones joins us with a quick look at the fox 5 weather 24-7 forecast. good morning i'm cassandra jones with fox5. north breezes continue today 15 to 25 mph with chilly daytime highs. we will top out at 56 degrees today with mostly clear skies. we are gearing up for our first freeze of the season with advisories going into effect from 2am to 8am wednesday morning for temperatures dropping between 28-32 degrees. high temperatures hold in the mid 50s. wednesday and thur

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. ng better at credit today. news at 5. nearly a dozen people are in the hospital after an attack at the ohio state university. what u-n-l-v police are doing to ramp up on campus security. and police need your help to find out who this man is. police say he sexually assaulted a girl-- and that he needs attacks another child. a dog is tied up and shot to death in nye county. police need your help finding out who did it. and neighbors speak out on the disturbing siutation. this is fox5 news at 5. local. las vegas an attack leaves 9 students injured on the campus of ohio state university.. i'm cyndi lundeburg in for christine madella. and i'm adam herbets in for john huck. officials at the university say the suspect - accused of carrying out the attack "on purpose" was shot and killed police... and was a student at the university. the suspect came into the united states as a somali refugee... and was granted status as a le

julio: el tiempo tranquilo y la lluvia ha comenzado a llevo a al resto te nuestra regiÓn, prons fico de la moda, son las extensiones de pestaÑas, berenice garden hablÓ de los pro y los considero de este procedimiento estÉtico. >> johanna cuenta que se las puso para ir a la wboda de su hermana >> me veÍa sÚper chÉvere. >> pagÓ y con ella paso tres semanas felices. berenice: el problema comenzÓ cuando se las fue a quitarla. ahora se rÍe, porque sus pestaÑas volvieron a salir. >> asÍ como bien dÉbiles. >> estuvo de suerte, son unos de las extensiÓn y problemas venl >> las pestaÑas no son un adorno en el cuerpo. la oftalmÓloga informa que el problema es el pegamento que usan al retirarlo. tambiÉn puede complicar la con juntarati juntarativa, el proceso es delicado porque estamos aplicando una extensiÓn sintÉtica, si su pestaÑa mal rato no le podemos enfocar. berenice: despuÉs de su experiencia johanna prefiere alargarlas con maquillaje. ilia: la lluvia estÁ en nuestra regiÓn, igual que el descenso de la temperatura. julio: ¿quÉ podemos esperar para la prÓxima semana? nos cuenta eduardo r

el juez de distrito, gonzalo curiel, hablÓ del juicio de donald trump en donde se espera que test fico mejor película que podemos para los súper fans. mi nombre es victoria alonso y soy productora ejecutiva en los estudios de marvel. cuando tu oficina es un hotel o estas en el aeropuerto, lo mas importante es tener la capacidad de algo que es versátil, como es esta surface pro. es liviana, es rápida, me ayuda mucho. me hace sentir como que tengo súper poderes, pero no me ayuda a volar. por increible ♪ marÍa elena: por increible que parece parezca el efecto de l increÍble retÓrica de donald trump alcanzÓ hasta los que poco y nada saben de polÍtica, los niÑos, los hijos de inmigrantes han expresado a sus padres temor que los planes migratorios de donald trump compliquen a sus familias. sta zona en donde viven inmigrantes, muchos de ellos en la oscuridad permanente, por ser indocumentados, cuando se aseguraron que solo querÍamos hablar con ellos salieron a recibirnos y prendieron las luces. >> no abrimos la puerta porque anda la policÍa y la inmigraciÓn, por eso no abro la puerta, porque

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. it's an investigation i've been following for a year now... a woman... kirstin blaise lobato has been sitting behind bars for 15 years for a murder she says she didnt commit. two months prior to the crime lobato told friends attacked her and she pulled out a knife and slashed him... her statements aout her attack were used to convict her of the murder. but a nevada supreme court ruling says there's evidence that was overlooked. kirstin blaise lobato sits here... at the florence mcclure female prison in north las vegas. she's serving time for the murder of duran bailey... despite there being no physical evidence tying her to the murder. this is not a crime a woman would commit bailey was beaten with a baseball bat... his teeth were knocked out mutilated. at the crime scene the body was covered by boxes what was on those footprints male foortprints shes either a person wh

. >> >> now even the biggest payer in credit scoring, fica, has come up with fico sd.ay to score the tens of millions called credit invisible. >> it looks at alternative data, like how people pay their phone bills, utilities and other property and public record information. >> fico sd rolled out about six months ago. >> it's being received very well by lenders. they're in the process, many are in the process of validating it and test tg. >> sasha wesh lynn is with the green lining institute which works to overcome the lingering effects of red lining. she's not so sure a new score by the same old players is progress. >> a solution would be that credit reports and scores accurately reflect the lived experience of all consumers, not just your cookie cutter consumer. but really looking at folks working towards the american dream or their version of the american dream. >> now for more information on the new scoring techniques, go to my facebook page. there you'll find a conversation that goes into more detail. i'm michael finney. 7 on your side. >>> coming up next, the litt

. >> >> now even the biggest payer in credit scoring, fica, has come up with fico sd.ay to score the tens of millions called credit invisible. >> it looks at alternative data, like how people pay their phone bills, utilities and other property and public record information. >> fico sd rolled out about six months ago. >> it's being received very well by lenders. they're in the process, many are in the process of validating it and test tg. >> sasha wesh lynn is with the green lining institute which works to overcome the lingering effects of red lining. she's not so sure a new score by the same old players is progress. >> a solution would be that credit reports and scores accurately reflect the lived experience of all consumers, not just your cookie cutter consumer. but really looking at folks working towards the american dream or their version of the american dream. >> now for more information on the new scoring techniques, go to my facebook page. there you'll find a conversation that goes into more detail. i'm michael finney. 7 on your side. >>> coming up next, the litt

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. visit experian.com/all3 right now. ?? [ cheers and applause ] >> seth: everybody, that's our show. my thanks to lester holt, alia shawkat, jade chang, keith carlock right over there and the 8g band. [ cheers and applause ] and you guys, this is the end of our week. and what you may not know is at the end of every week our cameraman gene puts us to bed by this has been an especially tiring week here. i cannot wait to hit the hay, so gene, take it away. >> hey, folks. [ clearing throat ] the show is over. the sun's gone down. street lights blink on all over town. a day spent hardworking and making people laugh. makes for one sleepy host, and a the security guards doze off right away with no frills. the producers, with help, from scotch, whiskey and pills. [ laughter ] the accountants count sheep, till the moment they slumber. even the band hears the sandman calling their

fico, but, you know, i've been thinking of making hilda my official food taster. you never know who might be messing with my meals, and we might as well start with a bowl of tongue. but c.k. has seniority. he should have the honor. i give him a gift every day i don't can him. i'm starting to see a pattern in your humor. here. you've earned it, hilda. go ahead, unless there's something wrong with it. ha ha ha! oh, you know what? it's chunky style -- that's my favorite. aha. i find that highly suspicious. she's tired. she's been working really hard. yeah. don't let us interrupt your dinner. you witches dosed my dinner. does this mean i get to cook for you again? nice try, ladies. i hope you enjoy your new job -- manning the septic tank. i still get to drive the porsche, right? [ snoring ] aah! what? whoo! check out all the dead soldiers. wait a minute. i am out of food. now i've really got to save them! can i get you anything? a friend to watch my back? i said i was sorry about the food thing. you mean the attempt to poison me? why would i hurt you? you're my oldest

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. ?? [ cheers and applause ] >> seth: welcome back, everybody. our next guest is a very funny comedian who can be seen regularly at the comedy cellar here in new york. her album, "glitter cheese", is available on amazon and itunes. please welcome, liza treyger. [ cheers and applause ] ?? >> yay! oh, my god, i'm so happy to be here. are you guys feeling great? [ cheers and applause ] awesome. i love fall in new york. it's just like beautiful and perfect and it's like, it's perfect after the nightmare of summer, which is just a constant reminder that when it's warm out and my thighs touch, they bleed. so -- [ laughter ] ow, it hurts. i should get skinny, but i'm tired. people try to give you advice, though, on how to get in shape. like you haven't thought about it. it's so irritating. my friend, kenny, was like, "why don't you try eating yogurt with fruit in the morning?" and it's like, i will murder your family. [ laught

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. your 7 day forecast. last year, the internet was split on a very important question, how should a dog wear pants? well, now we're trying giraffe's and ties on for size. jeremy hammond recently posted this photo to twitter. it reads "when giraffes go to work do you think they put the tie at the top or bottom of their necks? just asking for a friend." most of the responses were simple, since humans wear a tie at the bottom of their neck, than giraffes should to! if you're too worried about how to wear a giraffe should wear a tie and how low it should hang, you can always just opt for a bow tie! that's it for fox5 more starts now! now on more... the curtains are closing for good for one vegas show. we're joined by cast members of the million dollar quartet as they prepare to say their final farewell to the strip. plus - it's one of the biggest rodeos happening in our very

because 90% of top lenders use fico scores, but you never know which bureau they'll check. with experian, you'll feel confident knowing you checked all three. sign up to start getting better at credit today. airlines flight loses engine power 30- thousand feet up in the air. what passengers are saying this morning about the crew's quick response to a potentially disastrous situation. zappos is doing its part in a nationwide effort to find furr-ever homes for 9- thousand dogs and cats. explains how you can make a difference in their lives, for free! going for green! someone is waking up a multi- millionaire after picking the winning powerball numbers. we'll tell you which state sold the lucky ticket and how much the winner will walk away with. good morning.. i'm jason feinberg. and i'm monica jackson.. welcome to fox5 news this morning. first - cassandra jones joins us with a quick look at the fox 5 weather 24-7 forecast.

because fewer and fewer low high fico people are going to subsidize low fico people. i don't have time to talk about limitations on use. i'll just say a brief note about distributional consequences. a lot of -- at least one of the major arguments for limiting the use of credit reports in employment is that it causes disparate impact, reduces minority employment. but at least the two studies that have been completed so far that look at state laws that limit the use of these reports find exactly the opposite. that it turns out that if you states as they limit the use of credit reports in employment, minorities and particularly black employment goes down. why? well, it could be that they're shifting -- that that employers are shifting to other practices that have greater disparate impact. or it could be that they're using the race outright as a proxy for credit reports. so in conclusion, the -- i argue that the fair credit reporting act is best explained as pursuing distributional and not efficiency goals. that is plausible market failures exist, but the market regulatio

they goes throughon cycles with itsou apogee and perogie fico every once in a while you get the full moon w hitting a super close point.will stop you can catch any time in the cycle take a look at some of the photographsy one from the roof-cam it lost its peak looking tanned. this first one from jay reynolds and edgewater park tried to get a picture is rise against the skyline the second one, i this guy at my first tv job in cedar rapids iowa back inf early 1980s. now he is a and absolutely stunning sky with high clouds but on the edge of a system going up the east coast so is present high-level cloud coverasso they will still be tonight.t suffice to say, look for perhaps some decorative clouds with the super you might want to take a photograph.h. a nice balance today into the 50s themed 36 tonight, partly cloudy skies with that full super moon..a it will be on the horizon probably the again , that is above normal by about 6 degrees. there is a trough of low pressure trying to edge some cloud cover. another front on wednesday which may squeak out a bit of sprinkle. basica tuesday and

look at loans with fico stores from 620 to 660, that's 230 billion, am i right? let's look at loans with origination ltvs over 90%. what is that? $267 billion. my math is not great, but that seems like it's almost $600 billion of the $837 billion. am i right? it's a huge share. okay. so here is -- i'm speaking now for gao, on the record. all right. i've done multiple studies for congress on the housing crisis, practical every one i can think of. i've done at least a dozen. doz. you can go on our website, beginning with predatory lending, is what it was called. should you read this, mr. silvers, how the fed told us in 2004, and the chief council told us there. he said gram leech blily prevents us from imposing come sumer protection of nonbank holding company mortgage subsidiaries. some of the worst, subprime and option lenders in history. they wrp the worst. horrible. probably just as bad as new century and free monday and others who are not under that. greenspan and company literally told his examiners to don't go in and look at those loans. bernanke did it when

. >> from outer spaceauau you can see northwest ohio, near, west of findlay near you cyrus fico quite a bit of lake enhanced winds off the lake. lake showers today will make you feel much cooler with gusty winds out of the north.no have a look at the full 8 -day forecast fromom their rest of the week and into the weekend. there's plenty more fox 8 rob portman won the election over ted strickland, who joked about a rigged election during his concession speech in columbus last night.ggon >> just let me say, mr. donald trump is always talking about elections being rigged. will that be say if thisut sena election was rigged, there were some of good rigors doing it. with regard to the senate, regardless of which party controls applied to treat my colleagues, with the assumption that they care about a country as much as i do.. a e1 58-37 percent, do not campaign with donald trump and residential nominee after a tap ofe donald trump making lewd comments about women surfaced weeks ago. a number of local initiative on the ballot, they improvee to school issues and local income tax hike,, issse

fico scores from 620 to 660, that's 230 billion, right? am i right? let's look at loans with origination of ltvs over 90%. that's -- what is that? 267 billion. now, my math is not great, but that seems like it's almost 600 billion of the 830 billion. am i right? it's a huge share, okay. so, here's what i'm going to tell you, and i'm speaking now for gao on the record. all right, i've done multiple studies for congress on the housing crisis, practically every one i can think of. we've done at least a dozen. you can go on our website and look at it, beginning, by the way, with predatory lending. that's what it was called, and you should read this, mr. wilmarth, about how the fed told us in 2004, and their chief counsel told us this -- he was on the record, right? he said, oh, it prevents us from imposing consumer protections and sending our examiners in to do consumer protection of nonbank holding company mortgage subsidiaries, some of the worst subprime and option a.r.m. lenders in history. they were worse. they were horrible. they were probably just a

fico scores from 620 to 660, that's 230 billion, right? am i right? let's look at loans with origination of ltvs over 90%. that's -- what is that? 267 billion. now, my math is not great, but that seems like it's almost 600 billion of the 830 billion. am i right? it's a huge share, okay. so here's what i'm going to tell you, and i'm speaking now for gao on the record. all right. i've done multiple studies for congress on the housing crisis, practically every one i can think of. we've done at least a dozen. you can go on our website and look at it, beginning, by the way, with predatory lending. that's what it was called, and you should read this, mr. wilmarth, about how the fed told us in 2004, and their chief counsel told us this -- he was on the record, right? he said, oh, it prevents us from imposing consumer protections and sending our examiners in to do consumer protection of nonbank holding company mortgage subsidiaries, some of the worst subprime and option a.r.m. lenders in history. they were worse. they were horrible. they were probably just as

. >> fico-xd rolled out about six months ago. >> it's being received very well by lender.are in the process, many are in the process of validating it and testing it. >> sasha is with the green lining institute which works to overcome the lingering effects of red lining. she's not so sure a new score by the same old players is progress. >> a solution would be that credit reports and scores accurately reflect the life experience of all consumers, not just your cookie cutter consumer but looking at folks working toward get to go the american dream or their version of the american dream. >> for more information on the new scoring techniques go to my facebook page. there you will find a conversation that goes into more detail. i'm michael finney, "7 on your side." >> animal activists of fighting back against a government trapping program at lake tahoe. >> to take an established bear in his own territory and move him to a completely foreign area, he doesn't know where the food is, he doesn't know where the water is, that's a crime against nature hanks is going on here? the i-tea

let's start with loans with fico score under 620. that's 100 billion, right? look a loans with fico scores 620-650. that's 230 billion, right? am i right? let's look a loans with origination ltv's over 90%. what is that? 267 billion. my math is not great but it seems like it's almost 600 billion of the 837 billion. no, right? it's a huge sure, okay. i'm speaking out for gao on the record here i've done multiple study for congress on the housing crisis. we done at least a dozen. beginning by the way with predatory lending. that's what it was called and you should read this, how do that told us in 2004 come at their chief counsel told us, he was on the record, he said it prevents us from imposing consumer protection and -- consumer protection of non-bank holding company mortgage subsidiaries. some of the worst subprime an option a.r.m. loans are in history. they were worse. they were horrible. they were probably just as bad as new century and fremont and others who were not under the. greenspan the company literally told his examiners don't go in and look at tho

. -- fico score. data origination of over 90 percent to 267 billion. my math is not great but it seems like that is almost 600 billion of the 837 billion. at my right? that is a huge. this is what i would tell you. i have done multiple studies for congress on the housing crisis. at least one doesn't you go to our web site but beginning with predatory lending how the fed told the san 2004 while on the record to say this prevents us from consumer protections of the non-bank holding company mortgage subsidiaries. some of the worst subprimal and option are lenders in history. horrible. just as bad as others. greenspan and company and bitterly told the examiners don't go look at those loans . guess what? per jackie started when he was chairman and went after the worst one. countrywide. and with that fair lending exam it was as an ad as you can imagine. but they jump ship. hsbc was another bad one washington mutual was horrendously predatory the chief risk manager said and congress that david ridley preyed on minorities and gave them the worst subprimal own

the fico score doesn't have to be great. their credit doesn't have to be great.nd they have a lot of buying power. they don't have to pay as many fees as you would on an fha loan. you don't have mortgage insurance. so you have 100% financing with no monthly mortgage insurance. >> what about the wait? does it take longer? >> no. >> it is a quick process. >> yeah. >> i struggle because i have read stories people saying using a va loan can be cumbersome or time consuming. i might find a seller who don't want to deal with a va loan and are giving cash offers. what are some of the stumbling blocks. >> you have to have a clear pest report when you do a va loan. >> no termites. >> right. or bugs. most buyers who do conventional fha want a clear pest report too. it's not really a stumbling block per se like it was 10, 15 years ago. >> are all veterans eligible for va loans. >> veteran that's have served in the military for six years, active duty, reservist are six years reserve. so most veterans are. >> when you sit down and you're across the desk, do you ever realize wh

generally make the high risk groups worse off because fewer and fewer low risk -- fewer and fewer high fico score people as you increase the accuracy of reports. i don't have time to talk about efficiency justifications and limits on use. i will just say a brief note about distributional consequences. one of the major arguments for limiting the use of credit reports in employment is that causes disparate impact, reduces minority employment, but the two studies completed so far that look at state laws, that limit the use of these reports find exactly the opposite. it turns out if you limit the use of credit reports in employment, minorities, particularly black employment goes down. why? it could be the employers are shifting in another greater disparate impact or simply they are using the race outright as a proxy for credit reports. argue the fairi credit reporting act is best explained as pursuing this regional and non-efficiency goals. is well-suited to address the failure. distributional goals will explain why we place greater emphasis on mistakes in credit reports. but we should remind o

what dodd/frank has stood for is tighter enforcement, higher fico scores in order to be able to get loans>> right. >> make it -- dodd/frank stands for make it tough to get loans. because we were too easy. so if you can make it easier, whether it means we're not going to have as many examiners -- maybe lend it. but it's a change in tone. the banks were scared. >> let's not forget bigger picture here, these are two gentlemen, ied logs -- of course our viewers know wilbur ross well, or at least should, he's been on our air so many times through the years. mr. mnuchin not so much. but that's what they are. i spoke to lloyd blankfein a month or month and a half ago talking how many years will it be before somebody in goldman sachs can serve in government again and he was saying of course these things go in cycles, but he didn't think the cycle was ending. that was something of a surprise. certainly so was the election of mr. trump. >> your point is right with the interview this morning. not idealogs -- >> i think it will be embraced by corporate america. >> not just deals but like deals with r

because then i think the fico scores will be a little bit more -- banks have great loans.'t want people to call their bank -- i happen to have good credit, okay? i'm just fortunate enough. i remember getting my sixth credit card when i got out of school. but i do think that it's been very hard to get that rate. maybe they make it easier, but the rate will go higher if you make it easier. >> the rate will go higher, right, right, but open up to more people. >> i'm frantically trying to get some things fixed that i have had floating because i am concerned that the ten-year doesn't stop. but at least if it would go up more gradually. the velocity of the move, david, caused all these banks to move at a pace that was absurd. >> and the banks today are all down a little over 1%. morgan stanley closer to a 2% decline. bank of america, which you mentioned, down almost 2% this morning. >> did you see goldman where you had a combination of so many things. the volatility is great for gold p ma, the m & m is great for goldman. the volume is never big because these are etf buyers. you'

the typical payday loan applicant has a credit score, fico score of 517. and if you know anything about how that system works, that's bottom of the barrel. it means they're not going to qualify for any other type of mainstream credit. if you want to get some more of these types of facts, i'll refer you. we have tons of it on our web site. one thing worth noting is that the reason why people get payday loans, by and large, is just to get by. people are living paycheck to paycheck, and what we have found is that seven out of ten times when somebody first gets their payday loan, the reason they're getting is it because they're trying to get help to pay a bill, a regular, recurring expense like mortgage. 41% of them own homes. credit card payment, measure half of them have -- more than half of them have credit cards, but they tend to be maxed out. it's rather el.com that somebody gets a payday loan specifically because the car broke down or they have an unexpected medical expense. it's really that people's lives are difficult financially and volatile financial

esto va dedicado a todos los amantes, especialmente a las mujeres que su tenemos que verlas se peto fico