Understand how your credit score affects interest ratesGenerally, a credit score is the most important factor in deciding what interest rate a lender will offer you.
Get your most recent credit scoreIt's one thing to suspect you have bad credit, and another to know exactly how bad it is.
Consider a credit unionCredit unions are a great option for those looking to get a loan with bad credit.
Your credit report spells out everything being counted in your credit — every loan, every credit card, every debt.
Try and boost your credit scoreYour credit score is calculated, approximately, with the following five factors:payment history (35%)current debt balances (30%)length of credit history (15%)new credit (10%)credit mix (10%)Some of those factors are difficult to change, like the length of your credit history.