Before you submit your loan application, make sure you’ve done everything you can do improve your credit score.

Lenders use sophisticated models to determine if you’re approved or not, so even a few points can make a world of a difference.

Always make sure you’re going directly to a lender to avoid all the solicitation emails and calls.

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I eventually made payment arrangements with my creditors and negotiated a settlement for those that were in collections, but the damage was already done. I was in the low 700s and my credit score was in the 550 range.

It was the first time I’ve seen score go down this much, and I thought my life was ruined. Homeowners insurance obviously covered the damage, but I was responsible for paying for the damage upfront since the insurance check would come weeks after.

Companies like Lending Club and Avant both pull soft credit reports.

In addition, it’s also important to make sure that the lender is reporting back positive payment history to all three major credit bureaus.

The problem with this is that you’ll have a handful of emails and phone calls coming in for the next week.

If you look at the bottom of each website, there should be a disclaimer.

I thought it would be a nightmare to get this fixed, but they were surprisingly prompt in rectifying this situation.

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I first looked to see if there were inaccuracies on my report.