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- **Credit Inquiry**: Applying for a loan leads to a hard inquiry, temporarily decreasing your score.
- **Credit Mix**: Adding a model new kind of credit can improve your rating by diversifying your credit mix.
- **Payment History**: Regular, on-time funds positively impact your credit rating, while missed payments can harm

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1. **Personal Loans**: Unsecured loans for personal bills, emergencies, or debt consolidation.
2. **Business Loans**: Funding for business-related bills, together with startup costs, enlargement, or operational prices.
three. **Student Loans**: Loans designed to assist with educational bills.
4. **Auto Loans**: Financing for purchasing a vehicle.
5. **Mortgages**: Secured loans for house purchases.
6. **Lines of Credit**: Pre-approved credit limits that could be borrowed towards as nee

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