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This can be especially useful in an emergency situation, such as a car breakdown or medical expense. Lower interest rates: Credit unions are non-profit financial institutions, which means they are not focused on maximizing profits.

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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. In contrast, doorstep lenders are loan providers who offer loans and other financial products directly to consumers at their homes.