however i can reassure patients that the process in itself is simple and involves no embarrassing situations because the patient simply follows the instructions provided in a simple test kit. are you looking for a post office? "i used to make a lot of offensive jokes. let’s get back to the man in charge of change—a.p. most big banks have a minimum credit score requirement of 720 or higher and won’t approve a loan for a first time home buyer with bad credit. people can easily buy these books if they want to read them. 