👉 Overcertifying is a concept in finance and accounting that refers to an individual or organization who has more debt than they can afford to pay back. This can lead to financial stress, as the individual may be unable to make payments on their debts, resulting in interest charges and penalties. Overcertifying can also refer to situations where an individual or organization is using excessive amounts of credit, which can negatively impact their credit scores and future borrowing opportunities. In some cases, overcertifying can also result in
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