Complete Guide to Bad Credit Loans
Learn how to get approved for loans even with poor credit history.
Read More →Expert strategies to boost your credit rating and qualify for better loan rates
Know where you stand and where you want to be
Difficulty getting approved for loans
Limited loan options, higher rates
Better loan terms available
Excellent loan terms
Best rates and terms
Follow these expert-recommended strategies to boost your credit rating
Up to 25% of credit reports contain errors that can hurt your score. Review your report from all three major credit bureaus.
Lower your credit utilization ratio to under 30%, ideally under 10% for the best results.
Payment history is 35% of your credit score. Never miss a payment again with automated systems.
Length of credit history accounts for 15% of your score. Keep older accounts active to maintain your credit age.
Use specialized tools and services to accelerate your credit improvement journey.
Perfect for building credit from scratch or rebuilding damaged credit.
Track changes and get alerts about your credit score movements.
Get added to someone's account with good payment history.
Realistic expectations for credit score changes
Dispute errors on credit reports, set up automatic payments, pay down high balances
See improvements from error corrections and reduced credit utilization
Significant score improvements from consistent good payment behavior
Establish solid credit history patterns and see substantial score gains
Achieve excellent credit scores with consistent positive credit behavior
Additional strategies to boost your credit score
Ask for higher limits on existing cards to lower your utilization ratio.
Make payments before statement dates to keep reported balances low.
Contact creditors to negotiate removal of late payments or settlements.
Limit hard inquiries by spacing out credit applications.
Legitimate credit repair services can help with complex issues.
Use free credit monitoring services to track your improvement.
Great Plains Lending offers loans for all credit types. Apply now and start building your financial future.
Continue learning about credit and loans
Learn how to get approved for loans even with poor credit history.
Read More →Compare different loan types to find the best option for your needs.
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