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This past summer my husband had to transfer jobs every other month. This put us behind on our bills quite a bit. Once he found a company that would work out, I called the people we owe money too and set up a payment plan. This worked out great except for one bill. I looked into some pay day loans, so we could get that bill paid off and out of the way. After doing a lot of research, I decided to go ahead with the loan. It actually saved money and didn’t lower our credit score. I’m glad for that because I’m trying to rebuild it after our bankruptcy three years ago.