Hello All, I am struggling with a bad credit score for home loan and car loan. Can someone help me with this or atleast guide me because my loan application is getting rejected from everywhere.
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You're gonna have to build stronger credit before applying to these type of loans. Clear any bad debt ( collections) first.
If you're credit is in the 500s I'd say get a secured credit card and and stick utilizing under 10% of credit line until you're able to apply to better credit cards.
If your score is in the 600s then increase your credit line and make sure to keep utilization very low. They will help boost your credit score up to the 700s loan interest will decrease significantly once you're at least at 720.
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