Often times borrowers do not realize the importance of doing a little financial housekeeping prior to applying for their loan. Too often we see good borrowers with credit far lower than it should be. Often times these lower credit scores are due in part to elevated balances on revolving accounts. Ideally you should keep the balance at or below 30% in relation to the limit on the card, this does not apply to installment accounts such as auto loans. Do not wait until the last minute to pay down balances before applying for your loan, different creditors report at different times of the month. If you're having issues qualifying because of less than perfect credit we can help.