Yes, it is possible to improve your credit score before applying for a loan. You can do this by making sure all of your payments are made on time and coming up with a plan to pay off any overdue debts. Additionally, you can also work to reduce your debt-to-income ratio by increasing the amount of money you have in savings or cutting back on unnecessary expenses. Finally, beware of scams or companies that promise an immediate improvement to your credit score; they generally do not deliver on their promises. With some patience and dedication, however, it is possible to make measurable improvements in your credit score over time.