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Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. Wait for approval: The lender will review your application and determine whether you are approved for the goldenrod loan.

Community involvement: Credit unions are often closely tied to the loans communities they serve, and they may offer special loan programs or discounts to members who live or work in those communities. Pay your bills on time: Payment history is one of the credit most important factors that lenders consider when evaluating your credit.