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Types of Consumer Credit & Loans. Loan contracts come in all kinds of forms and with varied terms, ranging from simple promissory notes between friends and family members to more complex loans like mortgage, auto, payday and student loans. Jan 03, 2018 · Having that new loan on your credit report could help to improve your mix of credit and so long as the primary borrower is making on-time payments, could help to improve your credit score. At the same time, both student and parent incur significant risks that should be discussed before any loan application is signed.
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