Many lenders are strict when it comes to their loan applicants. It is has to do with the credit reputation and credit score of their applicants. They just want to see to it that they are having reliable borrowers who are capable of paying what they have applied with. Most lenders who have the strict requirements are banks and credit unions who are only accepting borrowers with good credit history or credit report. In order to make sure about the reputation of their clients, there are legal documents required. If you plan to borrow and you want to make sure that you have good credit score, take Totally free credit report that you can get online. There are sites in the web that are providing free reports for the interested surfers. In this process, you can avoid to be rejected once you have loan and you know your situation. Few mouse clicks to secure your credit rating and simple access are what you need to do.