Usually, your score will not be broken by a payday loan, as long as you repay it in full and on time.
Private information, resembling cost account number, should not be sent by way of SMS.
Collective charges and curiosity might not exceed 75% of the amount at any time.
Repaying debt is the proper thing to do, although you're right that paying off your solely installment can ding your credit score from an account mix standpoint.

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