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    California Business Journal
    • Front Page
    • Business
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      bitcoin of america

      The power of Bitcoin of America intensifies

      venture-capital-investment

      Silicon Valley and Tel Aviv Firm NextLeap Ventures Rising To The Next Level

      stock-market-3

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      Bitcoin

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      Dr. Chris Harts4

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      blockchain2

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      Doctor getting second opinion on patients x-ray

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      California Business Journal

      5 Ways to Improve Your Chances of Getting a Personal Loan

      Applying for a personal loan can be a daunting process, especially if you are unprepared for the challenges involved.

      by California Business Journal Editorial Staff
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      If you want to dramatically increase the likelihood that your lender of choice will approve your loan application, here are a few tips to follow to ensure success.

      Optimize your credit score

      All lenders will run a credit check when you apply for a loan to see whether you are responsible and reliable enough to do business with.

      Your credit score can be substandard for a number of reasons, such as missed payments on past loans and high borrowing through credit cards. However, you can also have a lower score if you do not have much credit history, so it also makes sense to make sure that you use any credit cards you have and pay off the balance each month to optimize your appeal to lenders.

      Credit-Score imageProvide supporting evidence

      Certain types of personal loans will require that you provide the lender with evidence of your incomings and outgoings to support your application and enhance your chances of approval.

      One of the best ways to do this is by generating pay stubs so that you can prove your income to third parties and legitimize the claims you make. This is simple to do online and is ideal for freelancers and contractors who are not employed full time by a single business, so click here to find out more.

      Be realistic

      Asking for too much cash from a lender can be a major factor in causing your loan application to be declined, so it is far better to assess your own finances thoroughly, work out what kind of repayments you can realistically afford and set your expectations accordingly.

      This is even more important because of the negative impact that a declined loan application can have on your credit score, so rather than shooting for the moon, adjust your ask to a more realistic level to steer clear of this scenario.

      Take your time

      Failing to fill out your loan application form properly might prompt the lender to decline it, and you are more likely to make mistakes if you rush through it and do not go back to double check every element before you go through with your submission.

      You should also remember that patience is necessary as you wait for the various documents and information that you might need to provide as evidence, as mentioned above. In short, a personal loan is not something which should be seen as a quick way to get access to money.

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      Speak to the lender

      If in doubt, have a conversation with a representative of the lender before you make a commitment, and ask any questions you have about the application process so that you know all of the ins and outs, rather than allowing yourself to be sideswiped by something you have overlooked.

      A loan application is a process which deserves to be taken seriously, so these strategies are worth following if approval is essential to you.

       

      Tags: contractorsinformationlendersloanloans
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      California Business Journal Editorial Staff

      California Business Journal Editorial Staff

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        California Business Journal | California Business News, California News Media, California business articles | Orange County, Los Angeles, San Diego, Inland Empire, Northern California, San Francisco | Huntington Beach CA 92649 | (949) 648-3815
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