Is there anything special I should do to help my scores before applying for a loan?

Be Very Alert

Yes! There are a lot of little things you can do to boost your scores and insure that you don’t accidentally cause a credit repair problem in the month or two before applying for a loan.

Minimize Activity

Keep all other credit activity to a minimum in the months before applying for your new loan. New inquiries have only a small impact on your scores, but they add up.

No New Accounts

If you do open a new account, even a little gas card, it could knock 100 points off your score. This effect may be short lived, but if you are applying for an important loan, timing is everything.

Reduce Revolving Balances

If you have the means to pay down your revolving balances, do it now. Your revolving balances can cause a major swing in your scores. The lower your balances are the higher your scores will be.

Time for Credit Repair

Examine your credit reports. Or join our credit repair program. We will find everything that can be done to clean up your credit, improve your scores, and reach your goals.