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How to make a major purchase with poor credit and zero down
Determine your credit score prior to applying for a loan.
In the united states, there are 3 credit reporting agencies that keep track of your payment history. Your credit score is a combination of the 3 agencies.
This score is often referred to as your fair isaac company (fico) score. Retrieve a tri-merge credit report or get a credit report from each of the 3 reporting agencies.