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Having a poor or fair credit score can impact your ability to get approved for a loan and can even affect your ability to rent an apartment or purchase a home. If you do get approved for a loan with bad credit, you'll likely be charged the highest interest rates and higher fees. However, there are long-term habits that you can develop to improve your credit score https://maybeloan.com/bad-credit-loans like paying your bills in full every month and regularly checking your credit report to catch errors.