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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Instead, try to pay your balances in full each month and only charge what you can afford to pay off. Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest.

They offer a predictable payment schedule and often have lower interest rates than other types of loans. More flexible repayment terms: Credit unions may be more willing to work with you to find a repayment schedule that fits your needs and budget. One of the credit main drawbacks is the high cost.

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