1. Credit history. One of the primary factors lenders look at is the condition of your personal and business credit. This is reflected in your credit score. Before you even start shopping for a loan, request a copy of your credit report from all three major reporting agencies: Equifax, Experian, and TransUnion. Review it carefully for mistakes, and resolve any discrepancies before you start the application process. Learn more about Cleaning Up Your Credit Record.
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