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There are several reasons why you might consider using a credit union for a personal loan. Don't max out your credit cards or take on more debt than you can handle. Banks also often have a wide range of loan products available, ensuring that customers can find a loan that meets their specific needs.

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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 taking out a loan, it is important to carefully research your options and choose a lender that is reputable and transparent.