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How do personal installment loans affect credit scores? It depends upon your existing mix of accounts, revolving utilization ratio, and emergency funds.
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Installment loans don’t affect your credit as significantly as revolving lines of credit, If you have a low credit score,
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A mortgage or a car loan is an example of installment debt. (30%) of the points that make up your FICO credit scores is based on your amount of debt.
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