Metad; Du kan få bättre lån om du ser till att öka din kreditvärdighet. Läs mer om det här.

If you are going to apply for a loan, it is most often that the bank or lender wants to see what type of credit you have. This is so that they can assess the probability that you can repay the loan. To check this, they do a credit check on you. This can be done via UC or via Creditsafe. It can also be done via Bisnode. When a UC is done, it is left for 12 months and everyone can see it. If it is done through one of the other two, it is not visible to others. Too many UC can affect your credit rating. A good credit rating is often a must when you need to take out a loan or subscribe or to obtain a credit card. You can increase your credit rating in a couple of different ways. We talk about how to do it! Make your own credit report In order to get a good look at what your credit rating looks like, you can do your own credit report. You can do this at minuc.se for a small fee. You will then get an overview of what your credit rating looks like without affecting it. In this credit report you will see all the information, you can check if you have a lot of unnecessary and unused credits and you can see when any payment notes disappear. Terminate credits you do not use If you see that there are several unused credits you have, be sure to cancel them. Lenders don't care if it's a used credit or unused credit because they just see that you have it. It can adversely affect your credit rating.  Reduce your loans by collecting them When you have taken your own credit report, you also see what you have for credit and loans, amounts and with which lenders. It is not good to have many loans and credits. What you can do is take a single large loan, a so-called collective loan, to pay off these. Have a co-borrower You who have a partner or are married can apply together with your partner. This means that you have an increased ability to pay because you are the two who are responsible for the loan. Use loan brokers Every time you apply for a loan, a credit report is taken. If you search in several places it can give you a lot of them. It's not great if it's UC. It can then be an alternative to apply through a loan broker. Then only a single UC is taken, but you can get proposals for loans from some twenty banks. Make sure you have an amortization plan Banks love when people are in good control of your finances. If you have a good plan for how you can reduce your spending in the long run, the banks will look at it positively. You should make sure that there is room for interest costs and amortization in your budget. Amortization causes the debt to fall and as the interest rate decreases as well. Have a good personal finance It is good if you make sure you have a good personal finance. If you pay things too late so that it will be collected, your costs will increase due to reminder fees. It can also cause you to end up at Kronofogden and get payment notes and it gives you a much worse credit rating.