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Stop trying to get credit you can't afford.


Stat away from loan brokers. They take your credit application and send it out to a massive number of lenders all of whom check your credit. Credit rating agencies have concluded that the number of credit rating inquiries indicate that the subject is looking for credit due to financial difficulty. Therefore, your credit score will go down solely due to the number of inquiries even if you have established credit and have never missed or been late on any loan payment ever.

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