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If you had to take out a bad credit loan at one point and you’ve put some distance between yourself and your credit problems, you should refinance that loan as soon as possible. First, approach your original lender. If they helped you when no one else would, give them a chance to help your refinance the loan into a better program. If your current lender can’t help you, hop online and you’ll find a ton of low interest loan options that can meet your needs. Finally, continue your new good spending habits and continue to diligently monitor your credit report.
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