 TITLE: How to Become a Prime Loan Borrower CONTENT: The best way to become a prime borrower is to improve your credit scores. To do that, you first need to know where you stand. You can check your Experian credit score for free, which makes it easy to understand your progress. You'll get information on your score, along with explainers on why it stands where it does and how you can improve it. Make note of these suggestions, because that's what you'll want to focus on to improve your score over the coming months.\nNext, you should get your credit reports from all three credit bureaus (Experian, TransUnion and Equifax) and review them for errors. Make sure each credit report accurately reflects your identity and credit history. Are there any accounts listed that shouldn't be there? What about late payments that may not be correct? If errors do exist, get those corrected as soon as possible because they could be dragging your scores down.\nYou can get your free credit report from Experian. You are also entitled to one free credit report every 12 months from Experian, Equifax and TransUnion at AnnualCreditReport.com.\nFinally, the best things you can do to improve your credit are to pay all your bills on time, not open too many new accounts and keep your credit utilization ratio low. That means not using much of the credit you have available to you. Generally, you can do this by keeping your credit card balances low or at zero. END