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In a nutshell, you're better off with no credit history at all than a bad credit history and score. That said, both situations have their own challenges. Upstart: Bankrate Awards Winner for Best Bad Credit Loan. Upstart. · Bankrate Rating = /5 · ; Upgrade: Best for quick small loans. Upgrade. If you have bad credit and need a $4, personal loan, you should use an online lender. Compared to banks and credit unions, online lenders usually have more. Even if you have a bad credit score, you can still qualify with Kingcash. Offering you a quick and reliable service is our top priority. secure and fast. If you have a poor credit history, it could be harder for you to get a credit card or a loan. want to borrow. “Hard hits” versus “soft hits”. Inquiries.
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