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Originally Posted by sequoias
How do I know which one is the one that doesn't hurt my credit rating?
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The one that won't hurt is one you get the loan for yourself..However that may lower your credit rating but not by much.
The other kind would ask you for all the information that you have loans with and amounts and all and then have you sign a contract stating all the information and that they will call for you on your behalf and try to make it where you can afford it monthly and have more money for yourself each month.