Understanding credit before you apply
Questions to help you compare written offers and prepare for a conversation with the provider.
Questions about credit before you apply
Check what information will be used
Ask the provider which information it needs, how to correct an error, and whether you can review the proposed steps before submitting an application.
Ask about the inquiry
Confirm whether the provider will make a soft or hard inquiry and when it will occur. Do not assume that every prequalification or application follows the same process.
Understand the decision
Ask which program is being considered and how its requirements apply to your circumstances. A score mentioned in an advertisement does not establish approval for an individual application.
Compare the actual offer
Read the APR, fees, repayment term, payment schedule, and total cost together. Ask for clarification before accepting an offer you do not understand.
Explore consumer financing or prepare questions for a home-loan discussion.
Talk it through with a real person.
Every situation is different. Tell us where you are and we will walk you through the options that actually fit — no obligation, no pressure.