Having a low credit score is not the debilitating factor that so many people think it is when applying for unsecured personal loans with bad credit. There is more to it than a low score, with other factors that play a key role in the decision to approve or reject a loan application.
Perhaps the most significant indication of this fact is the availability of loan approvals with no credit checks. When lenders offer such a deal it underlines the fact that a credit score is not the most important information used in assessing an application. Most important factors include the debt-to-income ratio, which is usually the deciding factor.
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