Does step mess with your credit?
Excuse me, I'm curious about the effects of using step finance or similar platforms on one's credit score. I've heard some people saying that it could potentially harm their credit rating, while others claim it has no impact at all. Could you please clarify whether or not using step finance or similar services can indeed affect one's credit in a negative way? If so, how does it work and what are the specific factors that contribute to such an outcome? Additionally, are there any precautions that users should take to protect their credit while utilizing these services? Thank you in advance for your insights.