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Revolving credit lines are often used for a variety of purposes, including managing cash flow, covering unexpected expenses, or making large purchases. Use credit wisely: If you do have credit, use it responsibly. Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit.

Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. This includes personal loans, mortgages, car loans, and business loans.

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