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Although this option is free, there are two main problems with it.

An affiliate program is a form of advertising relationship between you and a company. Many marketers, myself included, laughingly call this "Just Over Broke.
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This money is mostly used by banks in discharging its services such as lending loans.
Explain any bad credit history with good, truthful reasons that apply such as job loss or medical emergency. These days, lenders are getting more unconventional and innovative.

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