Getting Started

Create a Financial Organizer

Set up a dedicated folder (digital or physical) to keep all your key financial paperwork in one place. No matter the type of loan you’re applying for, lenders will request detailed information about your finances. Be sure to gather and make copies of documents like bank statements, investment records, credit card statements, auto loan info, recent pay slips, and your tax returns from the last two years.

Review Your Credit Score

A credit score above 620 is generally seen as solid, while anything over 680 is viewed as excellent and may qualify you for better loan terms and lower interest rates.

Below are the contact details for the three main credit bureaus so you can check your score. If your score needs improvement, ask your lender for advice on how to boost it. From now on, think of your credit score as one of your most valuable financial assets—handle it with care.