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Most people can get a loan or a credit card (except for those with very bad credit). The differences are whether they are qualified to get higher credit limit and lower interest rate or not.
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Some people think when having good credit, there is no need to improve. That is not true. The following example of a $20,000 car loan with $0 downpayment and 8.25% tax. This shows the better scores you have, the lower interest rates you get and the more money you save. |