Credit repair for personal loans — from denied to approved.
Personal-loan lenders decide in minutes, mostly on your score and your utilization. Below 600, most mainstream lenders decline or quote rates above 30%; above 660, the same borrower sees offers in the teens or single digits. If you've been denied, we review why and show you the quickest path to an approval you can afford.
- Soft inquiry only — your score doesn't move
- Free three-bureau review and written plan
- Bonded under Florida law; fees quoted in writing
What personal-loan lenders look at.
- Credit score tier — most lenders have a hard floor between 580 and 640.
- Credit-card utilization — the fastest lever; getting under 30% (ideally under 10%) often adds points within one statement cycle.
- Recent delinquencies and collections, especially in the last 12 months.
- Debt-to-income ratio and the number of recent inquiries or new accounts.
How CreditFixScore gets you ready.
- i
Free review
Every negative item from Equifax, Experian and TransUnion, sorted: dispute vs. strategy.
- ii
Disputes
Item-specific disputes and debt-validation requests, with documentation, to each bureau and furnisher.
- iii
Approval plan
Utilization targets, what to pay and what not to pay, in the order that moves your score fastest for this approval.
- iv
Results by round
Bureaus answer within 30 days. Every response lands in your portal; fees are held in escrow until the work is complete.
Questions, answered honestly.
What credit score is needed for a personal loan?
Most online lenders set minimums between 580 and 640, and credit unions often go lower for members. Competitive rates typically require 660 or higher, and the best advertised rates require 720+.
I was denied a personal loan — what now?
The lender must tell you the main reasons (an adverse action notice). Send us that notice with your application; it tells us which items to prioritize in your free review.
Does applying for a personal loan hurt my credit?
A pre-qualification is usually a soft inquiry and does not affect your score. A full application is a hard inquiry that can lower your score by a few points for up to a year.
Can you remove hard inquiries?
Inquiries you did not authorize, or that cannot be verified by the creditor, can be disputed. Inquiries you authorized are accurate and fall off naturally after two years.
Working toward something else?
See what's blocking this approval — free.
Three-bureau review, a call with a strategist, and a written plan. No obligation.
Apply Now Call 888-29-MYSCORE