If you want to get approval for the cheapest rate loans, it's necessary to put yourself in the position of the lender. They want to make a profit, but their priority in the current financial climate is getting their money back. That means that they're only going to approve your application if you're statistically less likely to default on the terms of the credit agreement.
With that in mind, you need to take steps to improve your credit rating. Your income-to-debt ratio is low, and you always pay your debts punctually, so what more do they want from you? Well, there are some less obvious factors that'll greatly increase your chances of getting accepted for the lowest loan rate.
How to Improve Your Credit Report
Martin Lewis of MoneySavingExpert.com stated in an article called "Credit rating: How it works and how to improve it" that your report contains: "Info on financial links to other people, whether you are on electoral roll, the credit accounts you have, any missed payments or defaults, and a list of other recent searches on your file."
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