How to become a good candidate for a loan:
- Pays your bills on time—every bill, every month.
- Maintain a good credit score.
- Save for a down payment or find a source for down payment funds.
- Have a good source of collateral (i.e., your home or business)
Your Credit Score
A credit score is primarily based on credit report
information typically sourced from credit
bureaus (see below). Maintaining a good credit score is a key factor
in determining your suitability for a loan. If you are just starting out
establishing credit, or need to improve your credit, here are a few things to
keep in mind:
- Avoid maxing out credit lines on cards or loans.
- Avoid applying for excessive credit (numerous department store credit cards can add up).
- Consistently make payments on time.
- Pay down the balances currently on credit cards or loans.
- Satisfy any “past due” bills.
- Request and review copies of your credit report and verify the information for accuracy.
Obtaining a Credit
Report
You are entitled to one free credit report—within a 12-month
period—from each of the three major credit bureaus. The bureaus run
AnnualCreditReport.com where you can get
your free credit report. Your credit score is available for an extra $10 fee.
If you dispute something on your report you can request an investigation and/or
ask that a note be included in your file. The FICO credit score is the most
common. It ranges between 300 and 850. As a rough rule of thumb, ideal
loan candidates—those with the easiest time getting a loan at the lowest
interest rate and associated fees—usually have scores above 740. Bank of
Luxemburg will work with each customer on an individual basis to find the best
loan option for you, even if your credit score is not ideal.
If you have questions about obtaining a loan, contact your local Bank of Luxemburg for information
and advice.
Bad credit and auto loans aren't a good mix, but having one does not mean you can't have the other. www.wegiveloans.org
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