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Set a Credit Score Goal — and Get a Loan

Credit Score, Personal Finance, Personal Loans
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Did you know that most personal loans (like you’d use to consolidate debt, pay emergency expenses or finance a large purchase) get approved once you’re over a 630 credit score?

NerdWallet can help you set that goal, give you tips to get you there, monitor your progress — and even send you a notice once you hit your goal so that you can go get that loan! Here’s how:

Start by logging into your NerdWallet account. In the Goal and Tips section, click on the “edit” link next to your goal. Set your goal score to 630.

  • Now, you have three ways to start building your credit towards that magic 630! First, check out “Add 100 Points to Your Credit Score.” Wait, is that even possible? Yes, it is, especially if you’re starting out with plenty of room to grow. It just takes a bit of time and knowledge to choose the right strategies.
  • Next, know that lenders look at more than your score. Find out what other factors could play into getting the loan or card you want. And check those “adverse action” notices you got — they’ll provide a roadmap to why you were rejected, so you know where to focus your efforts.
  • Finally, look at the tips section in your NerdWallet account — these are personalized tips for you that can guide you to a higher score!