01
Review before applying
Check your credit reports for errors and unfamiliar accounts. Resolve discrepancies early and keep records of corrections.
02
Keep commitments manageable
Pay on time, monitor balances and avoid taking on new borrowing during an application without discussing its effect. Lenders consider the overall file, not just a score.
03
Explain unusual events
If illness, a job change or another event affected repayment, prepare an accurate timeline and supporting information. There is no universal score that guarantees approval.
General information only. Product availability, eligibility and conditions vary by lender and application.