The time you apply for a loan is the wrong time to find out you've been a victim of identity theft, or that one of your creditors is reporting wrong information on your credit file.

You have a right to a free copy of your credit report once every year, by each of the three credit bureaus.  But don't be fooled by the fancy jingles on TV - there is only one official site created to give no-cost access for consumers to their credit reports:

annualcreditreport.com

Of course we will always pull your credit here as well, and give you a free analysis of how to improve your score and save you money.  We help people all the time who have credit challenges, and loan a lot of money to good people who need a chance to get back on their feet.  The interest rates reflect that higher risk, but we offer our membership the chance to lower that interest if, after 6 months of on-time payments, they come see us - we will pull credit, and if they have improved their credit and qualify for a better rate, we will lower the interest rate.  The payment stays the same, but the loan is paid off sometimes months faster.

Come see us today!