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If the credit borrower consistently maxes out their credit limit and carries a high balance from month to month, they may end up paying more in interest and fees over time. You can get a free copy of your credit report from each of the online three major credit bureaus (Equifax, Experian, and TransUnion) once a year. If you are considering a doorstep loan, be sure to carefully research your options and understand the vt terms and conditions of the loan before you agree to it.