There?s no one surefire way to ensure you are approved for a loan application. When you?re considering applying for a loan and your credit history isn?t perfect, keep the following tips in mind:
Check the eligibility criteria before applying. Lenders have set eligibility criteria which you can check on finder.com review pages. Check to see if you meet these criteria, and if you?re unsure, you can call the lender to discuss your situation.
Order a copy of your credit report. While you may think you have a good idea of your credit history, your credit file is the only true record of your financial history and what lender?s will use to judge your creditworthiness. You can order a free copy of your credit file from the main credit reporting agencies in the US.
Compare your loan options before you apply. Every application you make shows up on your credit file, so make sure you compare your options before you apply to minimize the amount of applications you make.

Darryl founded Smith Financial Advisors Inc. in 2006 after over 30 years experience in financial services including Mergers & Acquisitions, Investment Banking and traditional Commercial Banking activities at Bank One. Smith Financial Advisors is a Registered Investment Advisor in the State of Illinois. The firm specializes in Investment management, financial planning, and retirement planning.