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This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the bad borrower has. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.
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