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Consider a secured credit card: If you have a poor credit score, you may have a difficult time getting approved for a traditional credit card. Just be sure to do your research and compare offers from multiple lenders before you decide which one to use.

Personal loans can be used for a variety of purposes, such as consolidating debt, financing a home improvement project, or paying for unexpected expenses. This may include proof of income, such as pay stubs or tax returns, as well as information about any outstanding debts or assets.

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