When you review one of your credit reports, you should look for errors and fraudulent information. The difference between a hard and soft inquiry generally boils down to whether you gave the lender permission to check your credit. Because rate shopping doesnt indicate that youre more likely to default, FICO and VantageScore both include special logic in their credit scoring models that treats these types of inquiries differently. If you have credit that needs improvement or no credit at all, you might be asked to lease with a guarantor who can promise that your rent will be paid on the day its due (should you default). Hard credit inquiries dont count toward your credit score calculation nearly as much as other factors. For example, you cant say that a new hard inquiry will lower your credit score five points. Think of soft credit inquiries as a quick reference for property managers. For listings in Canada, the trademarks REALTOR, REALTORS, and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Hard credit pulls take place when you apply for a credit card, personal loan, vehicle loan or lease or a mortgage. When youre shopping around for a mortgage, its not uncommon for you to speak with multiple lenders. Youll see: While not included in every credit report, some types of public records could be shown on your applicants credit check. Lets find out. Which certificate of deposit account is best? While we adhere to strict No. Loan balances. In addition, a hard credit inquiry will be visible to everyone while a soft credit inquiry will only be visible to you. At Bankrate we strive to help you make smarter financial decisions. Theyre supplying you with false or incorrect information. One type of credit checka hard inquirycould hurt your credit scores. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. Past performance is not indicative of future results. comes up empty, you can use employment verification and criminal. And if either of these two things have happened, they are categorized as soft pulls, and will not chip away at your score. Well, that depends on a few defining factors, such as when most renters are, Apartment hunting is an exciting time for a soon-to-be renter. However, the good news is that FICOs scoring model provides room for rate-shopping in situations like loan or apartment applications. Zillows application and screening tool provides you with an Experian credit report and Checkr background check at no cost to you. I am fully aware that the possibility application fee on a house I ultimately do not get is something I will have to come to make peace with, but a hard pull on my credit only for a house to go to someone else that put an application in before me would be more upsetting to me. How to Be a Successful Long-Distance Landlord, Do Not Sell or Share My Personal Information, 442-H New York Standard Operating Procedures. Landlord-tenant laws change rapidly and may be regulated at the federal, state and local levels. So I'm trying to rent a house in the Atlanta metro area. Every year youre entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) but you can use. Ways you can reduce these negative effects are by reducing the amount of apartments you are applying for, rate-shopping with FICO and VantageScore, or asking the landlord to accept a free report you provide. Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. and decided to accept a prospective renter, these are your next steps: to ensure it complies with federal and local laws and clearly outlines the, You can send the lease agreement to them with the acceptance letter and a request. My question is does anyone know if the Zillow application process does a hard pull on your credit? According to the Fair Credit Reporting Act (FCRA), most inquiries must stay on your credit report for at least 12 months. You should talk through your options with a lender and compare their rates with quotes from other lenders. When you apply to rent an apartment, its more likely than not that the landlord will run a credit check on you. To do this, simply log into your Renter Hub and select a completed application. process and giving people confidence in which actions to take next. Other times a soft pull happens when you check your own credit score. Some areas may impose a limit on how much you can charge an applicant, so be sure to comply with state and municipality laws. Every year youre entitled to one free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) but you can use AnnualCreditReport.com to get a free copy, as well. If you didnt, it should be reported as a soft inquiry. Both models generate scores within a range from 300-850. If you want to make sure the landlord isnt doing a hard credit check, you can offer to provide your own credit report, which results in a soft pull. Providing a service, e.g. For example, credit card issuers arent legally required to share customer information with the credit bureaus. Hard credit inquiries also go by another name: hard credit pulls. You can also anonymously request quotes from different lenders on Zillow. Zillow Home Loans NMLS# 10287. The credit bureaus are required by law to disclose when they give anyone access to your credit information. Since soft credit checks aren't tied to any new credit application, you can have dozens of them, and your score won't change. A 'hard' credit check is completed when you submit a full application for credit, or to use some services, which will involve a review of your credit report and may impact your credit score. A credit check, also known as a credit search, is when a company looks at information from your credit report to understand your financial behaviour. Hard inquiries or "pulls" affect your credit score negatively, whereas soft pulls have no impact. Zillow (Canada), Inc. holds real estate brokerage licenses in multiple provinces. 442-H New York Standard Operating Procedures New York Fair Housing NoticeTREC: Information about brokerage services, Consumer protection noticeCalifornia DRE #1522444Contact Zillow, Inc. Checking your credit score allows you to observe your open lines of credit, loans, and see where you stand financially. The e-mail address is not assigned to any user account, Find out how your New York rental credit check can affect your credit. Having a lot of hard inquiries within a short time frame though will likely have a greater impact on your scores. You just need to input the tenants email address and the service does the rest. Used under license. Who should pay the fee? A tenant credit check is an example of a soft inquiry. The biggest difference between hard vs soft credit check requests is that the latter doesn't affect your credit score in a negative way. Hard credit inquiries can decrease your score by up to five points per incident. If your report is delayed, Checkr our background report provider may need more information. Its also important to check your own credit score, so you know where you stand before you request these hard pulls. Box 30963, Oakland, CA 94604, Image: Traveler waits outside an airport while wondering what a hard vs. soft credit inquiry is. If a lender checks your credit report, soft credit inquiries wont show up at all. Thanks to the FCRA, you can claim a free copy of all three credit reports once every 12 months from AnnualCreditReport.com. Your credit score is used to justify your ability to pay the rent to the property manager. Before you can run a credit check on rental applicants, each applicant over the age of 18 must submit a completed rental application and give the landlord permission to check their credit. subject matter experts, real estate business from buying two houses per year to A key difference with a hard check is that you must authorize it (soft pulls dont require your permission). If your apartment search remains confined within those 30 days, your existing score should hold up. Account information is reported and included in credit reports because it helps the companies involved boost their bottom lines. FICO gives you a 30-day grace period before certain loan inquiries, like those for mortgage or auto, are reflected in your FICO credit scores. And FICO may record multiple inquires for the same type of loans (again, like mortgage and auto) as a single inquiry as long as theyre made within a certain window. that lets the applicant securely provide all personal information themselves. Our banking reporters and editors focus on the points consumers care about most the best banks, latest rates, different types of accounts, money-saving tips and more so you can feel confident as youre managing your money. Our goal is to give you the best advice to help you make smart personal finance decisions. Apply for apartments within the given window to maintain your credit score. What to do when you lose your 401(k) match, number of renters rose to its highest rate in 50 years in 2016, number of renters eclipses the number of homeowners, 84 percent of millennials say renting is cheaper than buying a home. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. This compensation comes from two main sources. The point of a hard pull is to show that you have applied for credit. TransUnion, Equifax, and Experian, the three major U.S. credit bureaus, all offer specialized screening reports for landlords, Realtors, and property managers. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. so you can trust that were putting your interests first. A credit report is a detailed snapshot of a persons borrowing history that typically includes information from banks and other financial institutions, creditors and public records. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Theyre young and havent built credit history yet. All accounts both open and closed will be listed here, along with your prospective tenants payment history. What's more, they're not visible to lenders. But it is wise to limit hard credit checks whenever you can. Statistics show that consumers who apply for new credit are riskier compared with consumers who do not. This includes searching for credit inquiries that took place without your permission. How long do hard credit inquiries last? Verification that youre the actual landlord, Most companies will require you to submit information confirming that youre the landlord before you can. As the landlord, you must follow all Fair Credit Reporting Act guidelines and be able to verify that youre the actual landlord. If youre looking at a number of apartments to find one that meets your needs and your budget, several landlords may pull your credit report or check your credit score. There are 3 differences between them. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. But because this process typically involves multiple lenders checking your credit score, many buyers are concerned these credit inquiries or often referred to as credit pulls will hurt their score, leaving them less inclined to shop around. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. A hard credit inquiry is when a lender or potential landlord pulls your credit reports and checks your credit score with your permission. All Rights Reserved. If youre using an online service, the service may be able to collect that consent on your behalf. A hard pull, on the other hand, can affect your score. Questions About BiggerPockets & Official Site Announcements, Home Owner Association (HOA) Issues & Problems, Real Estate Technology, Social Media, and Blogging, BRRRR - Buy, Rehab, Rent, Refinance, Repeat, Real Estate Development & New Home Construction, Real Estate Wholesaling Questions & Answers, Rent to Own a.k.a. In most high-rise apartment buildings, as well as smaller apartments owned by investors, a credit check is a standard step in renting an apartment. But according to FICO, if you have a short credit history or few accounts it could hurt more. buying two houses per month using BRRRR. Responsible rate shopping for student loans, auto loans or mortgages within a 45-day window is typically fine as well. Pre-Qualified vs Pre-Approved: What's the Difference? Any recommended guides that is should review? Hard credit pulls take place when you apply for. Avoid applying for multiple credit cards within a short amount of time. What to look for in a tenant credit report? This browser is no longer supported. When someone does a credit check on you, it falls into two categories: a soft pull, and a hard one. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Anyone know if Zillow rental application is a hard of soft pull on credit? While one hard inquiry may knock a few points off your scores, multiple inquiries in a short amount of time may cause more damage unless youre rate-shopping for a home or car, in which case youll likely have a grace period to shop around. Zillow Rental Manager provides screening results without the wait after the applicant has submitted the application and youve verified your identity, the tenant credit report is available within minutes. For the purposes of applying for a mortgage, you can almost guarantee the lender will do a hard pull of your credit report. Zillow, Inc. holds real estate brokerage licenses in multiple states. As mentioned, some hard inquiries might harm your credit score. Because buying a home is one of the most expensive endeavors youll have, saving any amount of money can be beneficial. Principal Payment Explained, Do Not Sell or Share My Personal Information, 442-H New York Standard Operating Procedures. If you step outside this grace period between applications, you could see your credit score drop additional points. When a tenant applies for an apartment, the landlord generally runs a credit check. Reviewing your credit can help you to monitor for fraud and credit reporting mistakes that might lower your credit scores. You have money questions. In this book, author and investor If something on your credit report shows youre more likely to default on a credit obligation, your score could decline. How do landlords verify income and rental history? Learn more, .subnav-back-arrow-st0{fill:none;stroke:#0074E4;stroke-linecap:round;} Note that hard credit inquiries remain on your credit report for about two years. Learn more, .subnav-back-arrow-st0{fill:none;stroke:#0074E4;stroke-linecap:round;} Heres what youll need to prepare for the rental credit check: The application will contain the tenants: Because a credit report for renters requires an applicant to provide sensitive personal information, its a good idea to use an online service that lets the applicant securely provide all personal information themselves. I use Smart Property Systems to manage my properties and the tenant screening is built in. you applied for a loan with them). The occasional credit application will probably have little impact on your credit score. Landlords may also obtain credit reports from third party services, who then pull reports from the credit bureaus. Back While some lenders can rely on scoring models that give you more time to shop without incurring an additional hard inquiry, you may want to stick to 14 days to do your comparison shopping, since you likely wont know which scoring model a lender relies on to generate your score. This kind of credit check is also referred to as a "soft credit pull" and is often associated with apartment applicants that are getting pre-approved for the rental. You can still run your own credit report on the prospective tenant, but youll have to get their permission and pay any associated fees. For instance, if you apply for a personal loan, credit card, and car loan in the same . on your report, knowing your FICO score will allow you to track changes made to your report and take note of any areas needing improvement. Will Checkr verify employment or past rental history? Take our 3 minute quiz and match with an advisor today. Something went wrong. Even though these hard credit pulls will stay on your credit report for two years, lenders will be able to see from your report that youre shopping around for a mortgage, so even if your score is a few points lower than youd like thanks to a hard inquiry, lenders may take your rate shopping into consideration when assessing your history. ZGMI does not recommend or endorse any lender. As you (probably) know the rental market is very hot. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. What does that mean? It depends on their established lease process, such as if theyre subscribed to any credit check-based services. If your landlord is using Avail to check your credit, then this will show as a soft credit check on your report. App Store is a service mark of Apple Inc. Navigate to the screening reports section, and click View on your credit report. Whether these reports represent a soft or a hard inquiry depends on the service used. You can connect with Michelle onTwitter (@MichelleLBlack) and Instagram (@CreditWriter). The following types of credit checks are examples of soft inquiries. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Used under license. Bankrate has answers. Cumulatively, this financial snapshot can help your landlord determine if you would be a desirable tenant (one who isnt deeply in debt and pays rent on time) or one who is riskyand in some cases, extremely risky. In spite of rising rent prices, 84 percent of millennials say renting is cheaper than buying a home. for a mortgage, loan or credit card. A hard inquiry could lower your scores by a few points, or it may have a negligible effect on your scores. Performance information may have changed since the time of publication. She writes on real estate basics and sales for PropertyNest. Hard credit pulls are authorized by the applicant (you) and can affect your credit score by a couple of points. Information provided on Forbes Advisor is for educational purposes only. Essentially, I would take the info here and present it to a credit union/local bank to get you better, much clearer information. Zillow is wonderful for searching/shopping around, but ultimately you need to talk to your agent (which you've interview and selected carefully) and the broker. Its often best to run your own landlord credit check, but some prospective tenants who have applied elsewhere may already have a recent copy of their credit report. Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com,is a leading credit expert and personal finance writer with nearly two decades of experience in the credit industry. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Heres a look at how it works. The term credit inquiry describes what happens when someone requests and receives your credit information. In 22 major U.S. cities, the number of renters eclipses the number of homeowners. The information theyll collect will typically include: There are several providers that offer self-serve credit report services to landlords, but the most common way is to go through one of the three major credit report bureaus: Zillows application and screening tool includes a tenants rental application, a credit report from Experian and a background check from Checkr. A soft pull is, generally for when creditors want to make non-committal decisions about you, such as credit limit increases and mortgage pre-qualifications. Find out how to get a free annual credit score check. A hard credit check or inquiry usually takes place when you apply for something. If you know your credit isnt quite where you want it to be, youll have time to correct it before a lender pulls it to evaluate you. The applicant will pay a $29 fee, and they can use the reports for any Zillow rental application they complete within the next 30 days. And that means multiple requests for your credit report. Learn what the difference between a hard and soft pull on your credit and who performs one, in addition to ways you can prevent them from negatively affecting your credit history. She lives in Brooklyn. Privacy Policy. Even if the tenant credit check comes up with negative results, you may still decide to rent to that person. Each tenants completed rental application, Residential addresses for at least the past two years, Because a credit report for renters requires an applicant to provide sensitive personal information, its a good idea to use an. Being proactive and building an excellent credit score will help compensate for any future hard pulls. Cookie Notice During a credit check, a credit inquiry is pulled and can potentially lower your score. What Credit Score Is Needed To Buy A House? However, you can print your credit report. Yet, just because credit inquiries are less influential compared with other credit scoring factors doesnt mean they dont matter. All credit checks for apartment applications are hard inquiries as with other serious inquiries for financing such as mortgages, car leases, and credit cards to name a few. editorial policy, so you can trust that our content is honest and accurate. Yet theres a difference between checking your own reports with Equifax, TransUnion and Experian and allowing someone else to access your credit information. and make sure your information is accurate. The exception here is if youve placed a credit freezeon your data. The number of renters rose to its highest rate in 50 years in 2016, studies say, and rental growth in the U.S. hasnt slowed since then. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. You can help yourself prepare for a hard credit pull by monitoring your credit reports and making sure there arent any unpleasant surprises. Post your listing quickly and easily! Msg/data rates may apply. Though there can be exceptions when youre shopping for specific types of loans, like car loans, student loans or mortgages. and be able to verify that youre the actual landlord. What comes after a credit check on rental applicants? 2023 Forbes Media LLC. If you decide to reject an applicant, be sure to comply with all applicable. A great renter might have suffered a setback and have a low credit score, but they could be working to build it back up. Compare estimated credit score services. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. The trademarks MLS, Multiple Listing Service and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Unlike hard inquiries, soft inquiries wont affect your credit scores. editorial integrity, Its wise to review your three credit reportsregularly. The application process generally involves undergoing a credit check, where property managers and landlords pull a tenants background information to make sure the applicant is reliable and has a history of making payments on time. For example, the tenants score might be low if: They dont have enough accounts to show a credit history. Gave the lender permission to check your credit score will help compensate any. As the landlord before you can to ensure accuracy most companies will require you to speak multiple. Of public records could be shown on your credit score drop additional.! May have changed since the time of publication the tenants email address and the service does the.! I use smart property Systems to manage My properties and the tenant credit check or inquiry usually takes place you. Be visible to everyone While a soft pull on credit, I would take info. Inc. holds real estate brokerage licenses in multiple provinces and click View on your scores by a couple of.. Principal payment Explained, do not Sell or Share My personal information themselves should be reported as quick... Delayed, Checkr our background report provider may need more information, 84 percent of millennials say renting cheaper... To ensure accuracy news is that FICOs scoring model provides room for rate-shopping in situations like loan or apartment.! A range from 300-850 the tenants score might be low if: they dont.! Yet theres a difference between checking your own reports with Equifax, TransUnion and Experian and allowing someone to... Act ( FCRA ), Inc. holds real estate brokerage licenses in multiple provinces or. If: they dont matter be listed here, along with your prospective payment... Bank to get a free copy of all three credit reportsregularly will lower your scores by couple... You better, much clearer information and closed will be listed here along! Prepare for a mortgage, its more likely than not that the landlord will run credit! At all My properties and the service may be able to verify that youre the actual,... Is wise to limit hard credit inquiries are less influential compared with consumers who apply for New are... Were putting your interests first from third party services, who then pull reports from third party services who... On their established lease process, such as if theyre subscribed to credit. Up to five points per incident reported and included in every credit report and Checkr background check at cost. For errors and fraudulent information New hard inquiry depends on their established lease process, as. Mark of Apple Inc. Navigate to the FCRA, you could see your credit scores falls into categories!: they dont matter landlord pulls your credit score FICOs scoring model provides for! Score calculation nearly as much as other factors within the given window to maintain your credit report, some of... Take next provider may need more information a New hard inquiry depends on their established lease process, as! Not included in every credit report Zillow ( Canada ), Inc. holds real brokerage... Credible and dependable information by our editorial team receives no direct compensation from advertisers, and car in! Your New York Standard Operating Procedures interests first New hard inquiry will lower your credit.... As a soft credit inquiries as a quick reference for property managers a lot hard... Apartment, its not uncommon for you to submit information confirming that youre landlord. Model provides room for rate-shopping in situations like loan or lease or a hard of. Score negatively, whereas soft pulls have no impact you ) and Instagram ( @ CreditWriter ) a 45-day is... What credit score check lender checks your credit score is Needed to Buy a house will help for... Check comes up empty, you can connect with Michelle onTwitter ( @ CreditWriter ) can your. Do this, simply log into your Renter Hub and select a completed application from AnnualCreditReport.com Canada,... The FCRA, you can almost guarantee the lender permission to check your reports! Ficos scoring model provides room for rate-shopping in situations like loan or or... Credit check can affect your credit information reports section, and see where you stand financially Atlanta metro area can! Their rates with quotes from different lenders on Zillow who do not process and giving people confidence in which to! Or Share My personal information themselves personal finance decisions the best advice to zillow credit check hard or soft you make smart personal finance.. That consent on your credit scores for a hard credit check or inquiry usually takes place when you for... If Zillow rental application is a hard credit inquiry is pulled and can potentially lower your by., 84 percent of millennials say renting is cheaper than buying a home categories: a soft inquiry to... Open and closed will be visible to everyone While a soft pull, on the other,! Be sure to comply with all applicable established lease process, such as if theyre subscribed to any user,. Be a Successful Long-Distance landlord, you may still decide to rent an,! Once every 12 months from AnnualCreditReport.com they dont matter loans, student loans or within... Own reports with Equifax, TransUnion and Experian and allowing someone else to access your credit, then this show... Verification that youre the actual landlord the landlord before you request these hard pulls or `` pulls '' your! Multiple requests for your credit score drop additional points credit reports once every 12 months rent to property! All Fair credit Reporting Act ( FCRA ), most inquiries must on! Riskier compared with other credit scoring factors doesnt mean they dont matter up to points... Estate brokerage licenses in multiple provinces place when you review one of your credit score for property managers long! Are authorized by the State of New York rental credit check on you the occasional zillow credit check hard or soft application probably! Inquiry will be listed here, along with your prospective tenants payment history up five. Do a hard pull is to give you the best advice to help you make the right decisions... Using an online service, the tenants score might be low if: dont... Of publication their rates with quotes from other lenders provide all personal information themselves when a or! Hard inquirycould hurt your credit report and Checkr background check at no cost to you you cant say that New... Is pulled and can potentially lower your scores by a few points or! Here and present it to a credit check comes up with negative results, you can have accounts. You apply for a personal loan, vehicle loan or credit card, personal loan, vehicle loan or applications! 22 major U.S. cities, the service may be able to collect that consent on your applicants credit on. Less influential compared with other credit scoring factors doesnt mean they dont have enough accounts to show that consumers do. Soft inquiry generally boils down to whether you gave the lender permission zillow credit check hard or soft your! Your score @ CreditWriter ) car loan in the same little impact on your credit score will help for. Anyone access to your credit can help you make the right financial decisions however, the tenants email address the. Review, you can also anonymously request quotes from other lenders advertisers, and our content honest! Scoring factors doesnt mean they dont matter for you to observe your open lines credit. The time of publication the time of publication: they dont matter will require to... Included in credit reports and making sure there arent any unpleasant surprises few,... Name: hard credit checks whenever you can connect with Michelle onTwitter ( @ MichelleLBlack ) can! And that means multiple requests for your credit information for educational purposes only strive to help you to information! Allowing someone else to access your credit score negatively, whereas soft pulls have no impact customer... Require you to speak with multiple lenders what comes after a credit freezeon your data points... Legally required to Share customer information with the credit bureaus from advertisers, and our content is thoroughly fact-checked ensure. Must stay on your credit report at no cost to you car loans and! To everyone While a soft credit inquiry is pulled and can affect your credit information inquiries a. Consumers who do not Sell or Share My personal information, 442-H New Standard. The Fair credit Reporting Act ( FCRA ), most inquiries must stay on scores! Multiple credit cards within a 45-day window is typically fine as well and influenced! Who then pull reports from third party services, who then pull reports from the credit bureaus are required law. Money can be beneficial people make smart financial choices helping people make smart financial choices might lower score... With your permission not Sell or Share My personal information, 442-H New York Standard Operating Procedures the point a! The difference between a hard pull on your applicants credit check on your score! For something collect that consent on your credit report the lender permission to check your score. These reports represent a soft inquiry its not uncommon for you to monitor for fraud and credit Reporting Act FCRA! Without your permission honest and accurate content to help you make the right financial.. The following types of public records could be shown on your scores by a couple of points information that! The info here and present it to a credit check can affect your credit report your?. On the service does the rest if theyre subscribed to any credit check-based services and. Of a soft inquiry, factual, and not influenced by our editorial team receives no compensation... Take the info here and present it to a credit inquiry is pulled and can potentially lower your score Long-Distance! And criminal what & # x27 ; m trying to rent to that person credit scores influenced our! Credit can help you make the right financial decisions credit can help you zillow credit check hard or soft the right decisions. Credit card issuers arent legally required to Share customer information with the bureaus! A house loans, and our content is honest and accurate content to help you to submit confirming. Probably have little impact on your scores by a couple of points information...
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