 TITLE: Is Cash-Out Refinancing Better Than a Home Equity Loan? CONTENT: Check Your Credit Before Loan Shopping\n--------------------------------------\nIt can be easier to qualify for a secured loan than an unsecured loan, but your creditworthiness can still be an important factor in whether you'll get approved, how much you can borrow and the interest rate you're offered. You can check your credit score and credit report for free to see where you currently stand.\nSometimes, it may make sense to focus on improving your credit before taking out a large loan. However, if you're not able to wait, you may be able to get approved for refinancing or a home equity loan even if you don't have excellent credit. END