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Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit. Don't max out your credit cards or take on more debt than you can handle.

This can be especially beneficial for those who are trying to improve their credit or who have a limited credit history. This includes personal loans, mortgages, car loans, and business loans.

This can be done at an ATM, bank, or other location that offers cash advance services. History at all, a secured credit card may be easier to get approved for than a traditional credit card. This may include proof of income, such as pay stubs or tax returns, as well as details about any debts or assets the loans borrower has.