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Research payday loan lenders: Look for a lender that is licensed to operate in your state and has a good reputation. This means that there may be fewer protections in place to ensure that consumers are treated fairly. So, for example, if your credit limit is $10,000, you should aim to use no more than $3,000 of that credit.
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Here are some strategies you can use to manage your credit and potentially qualify for better loans:. Here are a few:.