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Credit-builder loans: Credit-builder loans are small loans that are designed specifically to help people build or improve their credit. You can get a free copy of your credit report from each of the online loans somerville virginia va bad credit online loans somerville va three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Avoid applying for new credit unnecessarily: Each time you apply for credit, it generates a "hard inquiry" on your credit report, which can slightly lower your credit score.

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