education · 6 MIN
Boost your credit before applying for a loan
Practical steps that can improve approval odds and APR.
Pay down revolving utilization
Keeping credit card balances low relative to limits is one of the fastest score levers you control.
Fix report errors
Dispute inaccurate late payments, accounts, or balances. Corrections can take time—start early.
Avoid new hard inquiries right before shopping
When rate-shopping mortgages or auto loans, cluster applications within a short period so scoring models treat them as one event.
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