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How to Get the Loan You Want

Credit Score, Personal Finance
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When you need money — for an emergency, for bills, to consolidate debt or to cover a purchase — not being approved for a loan is bad news.  Lenders won’t approve you if your credit score is below their target, but luckily NerdWallet can help you build your credit with personalized goals and tips.

Lenders didn’t offer you a personal loan because your credit score is lower than their target. Let NerdWallet help you build your credit with personalized goals and tips.

Start with the basics: What goes into your credit score, and which factors are most important? Nothing beats knowing the best ways to influence your score.

Next you’ll need a roadmap to follow. Good news: You get an “adverse action notice” from lenders when you’re denied credit — and those will tell you what credit factors need to be addressed. With that information under your belt, you’ll know the best ways to start building your credit back up. We share 5 strategies to use.

Then, keep checking back to see your progress. You might be surprised at how often credit scores change. Checking your own credit doesn’t hurt your score, and it’s a great way to see your efforts pay off!