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A secured revolving credit line is one that is secured by collateral, such as a car or a house. Keep your credit utilization low: Credit utilization is the credit amount of credit you're using compared to your total credit limit. This may involve setting a budget, tracking expenses, and making regular payments on the wolf loan to reduce the balance.

Lender also typically checks the loans borrower's credit score and financial history before approving the loan, which can help to reduce the risk of default. Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor.