The FTC (Federal Trade Commission) has stated that beginning in 2011 lenders will "require a creditor to provide a risk-based pricing notice to a consumer when the creditor uses a consumer report to grant or extend credit to the consumer."
This allows anyone that wants to be able to get a free credit report and be able to look over it before sending it to a lending company. If you have a bad credit score you can look into a debt management service to help you repay your debts and get the loan that you need.
These companies will be able to help you deal with your creditors. A debt management service can negotiate lower interest rates, get late fees waived, and come up with a repayment plan for you. Once they have agreed upon a plan with your creditors they will be able to provide you with an estimate of how long it will take until your debt is fully repaid.
If you are holding on to the idea that meetings have to be held in a conference room, it’s time for you to reconsider. more