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Banks are typically large financial institutions that offer a range of loan products, including personal loans, mortgages, car loans, and business loans. Moreover, doorstep lenders may use aggressive sales tactics to persuade consumers to take out a loan, even if it is not in their best interest.

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Make sure to pay all of your bills on time, including credit card bills, utility bills, and other recurring payments. Alternative lenders: Alternative lenders, such as online lenders and non-bank financial institutions, may be more willing to lend to unbanked individuals than traditional banks. Learn more about managing your credit and improving your credit score.