If you've faced challenges, borrowing to meet everyday needs in a low-wage scenario, we have another suggestion.  Focus on your debt Repayment Planning.

Strategically address outstanding debts by developing a repayment plan tailored to your financial situation. 

Prioritize paying off accounts in collections or those with the highest impact on your credit score. 

As you chip away at debt, your credit report will reflect positive changes, bolstering your overall score.

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