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Building Credit with Personal Loans

__If you’re just getting started out in life, and haven’t had the chance to establish any credit yet, personal loans can be the perfect way to get started. These small loans can be used for practically anything, and they typically have much lower interest rates than credit cards.

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How Credit Scores Work

Chances are pretty good you’ve seen, heard or read an advertisement recently telling you that you need to know your credit score. If you’ve applied for a mortgage, a car loan or a personal loan, you’ve probably been told that your credit score was within a certain range, which qualified you for a certain rate of interest. In some cases, you might have been denied a loan, and told that the reason you were denied the loan had to do with your credit score.