: Obtain copies from the three major bureaus —Experian, TransUnion, and Equifax—to identify and dispute inaccuracies before applying .
: Disputing inaccuracies can sometimes raise a score by up to 200 points within 30 days . auto bad credit loan
: Pay down credit card balances to under 30% . : Obtain copies from the three major bureaus
: Ask a family member with good credit to add you as an authorized user on their account . auto bad credit loan