 TITLE: What Factors Do Lenders Consider When Determining My Interest Rate? CONTENT: How to Qualify for the Best Rates\n---------------------------------\nThe bottom line is that for all types of loans, you'll want to ensure that your credit reports and scores are in tiptop shape.\nYou can get a free credit report from Experian. There's no credit card needed to sign up, and you will have access to an updated report every 30 days. You are also entitled to a free report from each bureau once a year, which you can access at AnnualCreditReport.com.\nWhen you check your reports, review them to make sure your identifying information is correct and the accounts are accurate. If you find an error, you can dispute it with the bureau directly. You can initiate a dispute online with Experian.\nYou can also check your credit scores through Experian, which makes it easy to understand your progress. You'll get information on your scores, along with explainers on why they stand where they do. END