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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:. It may take some time and effort to find the bad right lender and build up your credit, but it can be worth it in the long run.

This can be especially useful in an emergency situation, such as a car breakdown or medical expense. You can get a free copy of your credit report from each of the stanley three major credit bureaus (Equifax, Experian, and TransUnion) once a year. If you're thinking about getting a loan, make sure to do your research and choose a lender that you can trust.