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i work for one of the carriers. everything is based off of credit score and pay history. we just enter the basic info and hit submit and the rest is based off your becon score and payment histories. depending on what that comes back as determins if there is a deposit or how much it is. you should recieve a letter from the carrier soon with an 800 number on it that you should be able to call and find out why it came back that way. hope that helps
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