I regret to inform you that we cannot approve your credit application at this time due to your credit score not meeting our minimum requirement for approval. However, you can work to improve your credit score through actions such as paying your bills on time, reducing your debt-to-income ratio, and disputing any errors on your credit report. Other financing options to consider include a secured credit card or a personal loan from a credit union. If you require further assistance in exploring these options, please let me know.
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