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Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments. A secured revolving credit line is one that is secured by collateral, such as a car or a house.

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If you're considering a payday loan, make sure you understand the loans terms and conditions and can afford to pay it back before you accept the loan. By using their revolving credit line responsibly, borrowers can access the loans financial flexibility they need while also building or improving their credit score. 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.