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Check your credit report regularly: It's important to periodically review your credit report to make sure it's accurate and up-to-date. Personalized service: Credit unions are known for their personal approach to banking, and this extends to their lending practices as well.

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Work with a credit counselor: If you're having trouble managing your credit, you might consider working with a credit counselor. Keep your credit utilization low: Credit utilization is the credit amount of credit you're using compared to your total credit limit. However, it is important for borrowers to carefully consider the loans terms of their loan and ensure that they can afford the monthly payments before agreeing to take out an installment loan.