 TITLE: Can You Get a Personal Loan With Fair Credit? CONTENT: How to Improve a Fair Credit Score\n----------------------------------\nIf you have time before you need to apply for a loan, you can try to improve your credit scores. There's no magic method for doing so, but there are a few steps you can take that may nudge your credit score toward friendlier territory:\n*   **Address inaccuracies.** If you find incorrect information in your credit report, dispute it.\n*   **Pay down debt.** Reducing the balances on your credit cards will help raise your score.\n*   **Pay bills on time.** A single late payment can stay on your credit report for seven years, so it's important not to miss any.\n*   **Get credit for on-time phone, utility and streaming bills.** Experian Boost™† helps you factor your on-time phone, utility and streaming service payments into your credit history, which may instantly raise your score.\n*   **Be conservative with new credit.** Don't open new accounts and until it's time to apply for your loan again.\nTurning a fair credit score into a good one isn't a fast fix. It can take months—or longer. But it may also spell the difference between a costly loan and one that genuinely helps your finances. If you have the time to work on your credit score and apply for a personal loan later, it may be to your benefit. END