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The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan.

The comparison rates displayed are for the amounts and terms quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples.

Any financial judgments such as liens will appear too.

Creditors may review your credit reports or check your credit score, a three-digit number distilled by Fair Isaac Corpation from all the data.

Many debt relief agencies offer assistance with medical debt relief, tax debt relief, student loan debt relief, credit debt relief and payday loan debt relief, some debt settlement companies even offer Christian debt relief services.

Representative example figures and monthly repayment figures are estimates only, based on the advertised rate, loan amount and term entered, excluding fees.

What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you'd expect.

That's because some issuers use the balance on your statement as the one reported to the bureau.

Based in Kissimmee, Fla., Barb Nefer is a freelance writer with over 20 years of experience.

She is a mental health counselor, finance coach and travel agency owner.