At any point in time you request financial assistance from any lender they will use a number of factors to make assessments of your credibility before deciding whether they can risk giving you the amount you request.
They might lower the amount you need, or if they could refuse your request.
It is your credit rating that affects this decision of theirs and your score also plays a role in this decision in addition to the interest rate you'll be asked to pay.
Before you apply for credit from any financial institution, it is always best to look into your report and make note of mistakenly recorded information, wrongly spelt names, old and expired accounts that ought to have been pulled off from your file but still remain there, and any other entry that is not supposed to be on your file.
Your objective should be to remove entries such as these.
Removing bad and unwanted entries from your file is very doable.
Keep important documents that are tied to financial transactions you've done in the past because they'll come in handy when you're moving towards challenging unwanted information on your file.
The dispute letter is a good way to challenge accounts that bureaus have recorded in your file.
It is worth challenging if you're in doubt of its origin because you'll earn some points on your score by doing that and thus position yourself in a favorable light when entering into any form of contract with lenders.
You will be using this dispute letter yourself if you opt for a self-help credit repair method, otherwise you can hand your file over to a professional agency that specializes in helping thousands of clients restore their rating.