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Pay your bills on time: Payment history is one of the bad most important factors that lenders consider when evaluating your credit. This includes personal loans, mortgages, car loans, and business loans.

Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. This means that people with less-than-perfect credit or those who do not own a home or car may still be able to qualify for an online loan.

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