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Credit readiness checklist
Most avoidable declines trace back to a missing document or an old error nobody had looked at.
We list the documents lenders commonly ask for — proof of identity, proof of address, proof of income — so none of it arrives as a surprise.
We also cover what a soft check and a hard check are, and why spreading applications over several weeks can be less helpful than it sounds.
Details
- Describe the practical decision before comparing
- Record the budget and timing questions
- Clarify security and additional obligations
Understand the loan structure
Compare secured and unsecured structures
Read the security and responsibility questions before comparing the price of different loan types.