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What to do before a Credit Check Advertiser disclosure You’re our first priority. Every every single time. We believe everyone should be able to make sound financial decisions without hesitation. Although our site doesn’t feature every company or financial product on the market, we’re proud that the advice we provide as well as the advice we provide and the tools we develop are impartial, independent easy to use and completely free. So how do we make money? Our partners pay us. This can influence the products we review and write about (and where those products appear on our website), but it in no way affects our suggestions or recommendations, which are grounded in thousands of hours of study. Our partners are not able to be paid to ensure positive reviews of their products or services. . What to do before Conducting a Credit Check Review your credit first, then take action to get it in tiptop shape. Written by Lauren Schwahn Lead Writer | Personal financial, credit, and debt Lauren Schwahn is a writer at NerdWallet who writes about debt, budgeting and money-saving strategies. She contributes to the “Millennial Money” column for The Associated Press. Her work has also been featured by USA Today, MarketWatch and more. Lauren has a bachelor’s level degree in history from her home at the University of California, Santa Cruz. She is located within San Francisco. Aug 15 2022, 2022 Edited by Sheri Gordon Assistant Assigning Editor Credit scoring, earning and savings money, paying off credit card debt Sheri Gordon works as an associate assigning editor on the Core Personal Finance team at NerdWallet. For 13 years Sheri was on the business and metro copy desks of The Los Angeles Times, where she was involved in stories that earned in 1998 the Pulitzer Prize for breaking news. Sheri edited magazines about culture, politics food, education, and activism. She has written books on health and water policies, and architecture. Sheri graduated with a Bachelor of Arts in history from the University of California, Los Angeles. Email:

. Many or all of the items featured here come from our partners, who pay us. This influences which products we review and the location and manner in which the product is featured on the page. However, this does not influence our opinions. Our views are our own. Here’s a list and . Lenders will typically need to conduct a credit verification when you apply for credit like a mortgage, credit card , or auto loan. Employers, prospective landlords and utility companies may also examine your credit. If the check doesn’t work out, your application could be rejected or you may get negative loan terms, like a higher interest rate. There are moves you can take to avoid unexpected surprises and put your self in the most favorable possible position possible. Here’s how to prepare if you anticipate a credit check. There are four things to take care of prior to the date of a credit report 1. Unfreeze your credit. Freezing your credit can help stop fraud by blocking others who have access to your credit records and also from opening a new bank account with your name. However, if you fail to remove the security freeze prior to applying for credit, lenders cannot conduct a credit verification and likely won’t approve your credit application. Are you unsure if your credit is frozen? Log into your accounts with the three main credit bureaus (Equifax, Experian and TransUnion) to view your situation or call their customer support numbers. If you placed a freeze with each bureau, you’ll need to contact it individually to . 2. Review your credit reports and scores Lenders examine your credit score and report to determine if you’re a trustworthy borrower. They’ll also check whether you have a history of making payments punctually or have accounts that are in collections. By analyzing this information yourself, it can help you comprehend your and standing. Checking your reports also gives you the chance to identify any issues things that might affect your credit or your application such as an incorrect account balance. Credit reports don’t show your credit score, so you’ll have to look them up separately. It is possible to get free weekly credit reports through the end of the year from . Numerous personal finance websites, including NerdWallet, also provide free credit scores and report. The ability to access your own credit scores and reports won’t hurt your scores. 3. Improve your credit score If you have a good credit score, the more likely lenders will accept your application and provide you with excellent terms. Look for opportunities to increase or keep it. This could include paying off existing debts and avoiding taking on new debt. For instance, frequent payments on a credit card throughout the billing cycle helps your credit by making sure that your credit utilization is low. 4. Do not apply for an additional credit. The credit report that you receive whenever you make an application for a loan or credit card is known as a . Hard inquiries show up to your credit file for approximately two years, and they can impact your credit score for a year. Limiting inquiries to a minimum can help protect your credit. If you are shopping for multiple lenders, for example, a mortgage, the multiple inquiries will usually be treated as a single inquiry if done within a 14 to 45-day period. “You aren’t penalized for shopping around, however you will be penalized if you wait too longto complete the process,” Robert Persichitte, an Arvada certified financial planner from Colorado who sent an email. But, applying for multiple credit cards within a short period of time could reduce your score and cause concern to potential lenders. By following these steps before you get the credit report will ensure it runs as smoothly as you can. Author bio Lauren Schwahn covers consumer credit and debt for NerdWallet. The work she has written for NerdWallet was featured by USA Today and The Associated Press. On a similar note… You can even go deeper into Personal Finance Make all the appropriate financial decisions

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