 TITLE: How to Get a Personal Loan Without a Credit Check CONTENT: Check Your Credit Report and Score\n----------------------------------\nBefore you rush to a lender that offers loans without requiring a credit check, it's a good idea to check your credit. If you've never done this before, you might find you have a credit report and credit score that qualifies you for a personal loan.\nYou can request free copies of your credit reports from the three consumer credit bureaus (Experian, TransUnion and Equifax) at AnnualCreditReport.com. You can also get a free FICO® Score☉ based on your Experian credit report.\nLenders don't all use the same scoring models or necessarily check all three of your credit reports, so the score you see may not be the same one that every lender uses. Still, many lenders use a FICO® Score to evaluate new credit applications, so seeing your FICO® Score can give you a good sense of where you fall in the credit score range.\nIf you don't need a loan right away, taking time to establish or improve your credit scores may make sense. If you check your FICO® Score through Experian, you'll get personalized suggestions based on your unique credit history. END