Credit Reports and Other Credit Tools
If you want a loan, then your first step is getting your full credit picture.
Credit Reporting Tools
Before you apply anywhere, you should first gather all the details on your current credit situation. There are 3 major credit reporting bureaus, and your FICO score will be different for each one. Use these tools to have a complete picture of where you are at and what needs improving.
Credit Report
Monitor the same credit reports your potential lender will use so you can fix any issue that could trigger a rejection.
Improve Your Credit Score
The top 2 reasons for using a credit repair service are to get approved or to qualify for a better interest rate.