How do personal loans affect your credit?
If there's no paper trail then they "don't exist" as far as credit reports are concerned.Knowing what creditors evaluate is important. Some of the things they look at include: Your credit/loan application Your credit report Your bill-paying history How many accounts you have and what kind Whether or not you make payments on time How long you've had your loans/accounts Unused portions of lines of credit Collections actions Outstanding debt
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