If anyone doesn't have credit, it's probably because they don't have a mailbox.

Lenders had another record year in 1997 for stuffing the nation's collective mailbag with direct mail for easy-to-get credit ranging from pre-approved car loans and high-LTV home equity lines to a fresh wave of gold, platinum and titanium credit cards. The U.S. Postal Service says that financial service companies mailed an incredible 23 billion pieces of mail, accounting for one-in-four pieces delivered.

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