 TITLE: What Is APR and How Does It Affect Me? CONTENT: Improve Your Credit to Qualify for Lower Rates\n----------------------------------------------\nLenders consider more than just your credit score when determining your APR on a loan or a credit card. But the better your credit history looks, the higher your chances of scoring favorable terms.\nYou can check your credit scores to see where you stand and pinpoint areas that may need some work. Also, get a copy of your credit report to check for errors and items that may need to be addressed.\nAs you work on improving your credit, it's no guarantee you'll get the best APRs possible, but it will give you the opportunity to get a lower rate than what you currently qualify for, which can save you a lot of money in the long run. END