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None. I was being harassed and had called to be taken off the call list. After expressing that I did not wish to apply and that I was XXXX and it was too high stress the lender coerced me into giving out personal information and allowing a hard credit pull. I asked it be removed because I was coerced and it felt wrong and I had never been given information or anything and was told nothing was done incorrectly and that I had allowed it after several no 's so it's okay. This type of behavior is incredibly predatory. I had simply requested the credit pull be removed as a result of the lenders behavior.