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It's important to note that payday loans can be very expensive and should only be used as a last resort. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.

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In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes. Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date.