• Check your report with the three credit bureaus: Equifax, Experian, and TransUnion • Make sure the information is correct and there are no discrepancies: identifying information, trade lines, credit inquiries, public record and collection items • Raise your score, if necessary: pay your bills on time, keep balances low in relation to credit limits, avoid opening many new accounts in a short period of time, do rate shopping for an auto or home loan within a narrow time window What matters to我的贷方?您的贷方会考虑您是否成为贷款的好候选人时,将考虑所谓的“信用额为5 C”。