Bad Credit Resource Center

Many people assume that having an excellent credit score is justification enough for a preferred rate when applying for a loan.  It’s not! Why would they want to give you a lower rate when they can make more money with a higher one. 

Some lenders will try to tell you that your credit score is lower than it is and that disqualifies you from a better rate.  Some may rely on your ignorance (or what they think of your ignorance) about your credit score to quote you a worse rate. 

Don’t let the lender take advantage of you.  Always look up your credit score before shopping for a major loan and if you’re quoted a rate you think is unfair, speak up and tell the credit officer that your credit score of 700 (or whatever the score is) seems to indicate a better loan.

Show the lender a printed copy of your credit score.  If the lender tries to tell you that lenders get more accurate credit scores than customers who look up their own credit scores or tries to tell you that your credit score has changed, walk away and find another lender.  There are hundreds of reputable lenders out there.
 

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