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Bad Credit Loans â Now Your Credit Score Is No More a Problem Cost of Loan: In recent years there has been a lot of confusion when it comes to borrowing money and getting loans. This is due to the enormous popularity of payday loans. Payday Loans are definitely not the same thing as Installment Loans. Focus on Your Credit Card Balances: Your credit scores are more sensitive to revolving debt (like credit cards) than to installment loans (like personal loans). Wiping clean balances on credit cards can be more impactful than paying off mortgages, for example.
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