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Please estimate your credit score: Excellent (750+) Very Good (700 - 749) Good (640 - 699) Fair (600 - 639) Poor (Below 600) Don't Know. Late Payment Fee – $20. Loans Financial strength in our Utah communities depends on people’s ability to secure lending that helps them grow and achieve their goals. Apply Now for a Personal Loan | OppLoans. Designated Partners of Xact It Security Systems Llp are Archana Verma, Sanjeev Kumar and . Hi! Customers with credit difficulties should seek credit counseling before entering into any loan transaction. When you are preparing for a major purchase make sure you check your credit scores and credit reports from all three credit reporting agencies: TransUnion, Equifax and Experian. The best experience & support. WHAT IS XACT? Xact is an online-only installment loan with larger loan amounts and longer terms, giving customers the funds they need to consolidate debt into one easy payment. 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