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Credit unions may be a good option for those who are looking for a lender that is willing to work with them to find a loan product that meets their needs and budget. Don't max out your credit cards or take on more debt than you can handle.

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A secured revolving credit line is one that is secured by collateral, such as a car or a house. Credit counselors can help you develop a budget, negotiate with creditors, and create a plan to improve your credit.