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First, check your credit report -  

Most Credit Reports contain inaccurate or incomplete information.  Bad information can delay loan decisions or even keep you from getting credit.  Avoid surprises!   Be sure that you know what's in your credit report before you apply for a loan.  

If you are applying for a business loan, most lenders will be interested in the personal credit standing of all owners of the business, in addition to the credit standing of the business itself. 

If you are applying for more than $150,000 you should also see a 3-Bureau Merged Report which combines the information reported by Equifax, Trans Union and Experian (formerly known as TRW).  Each of these agencies has its own sources of information, and they don't always match, especially if you have had corrections made.    

Are there errors on your credit report?  You can get them corrected by writing to the reporting agencies.  Click here for addresses, telephone number and World Wide Web links to the 3 U.S. consumer reporting agencies.

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