I’m planning to apply for a loan soon, but I’m worried about what the bank might find in my credit history. I’ve never checked it myself, so I don’t even know if there are mistakes or old debts that might lower my chances. Can someone explain how to verify it properly without going to different banks first?

If you’re about to apply for a loan, the very first step should be making sure your credit report is accurate and up to date. The easiest way is to use online services that provide full reports, for example here: https://lovilave.com.ua/blog/yak-pereviryty-svoyu-kredytnu-istoriyu . Once you access your report, you’ll see all your past loans, payments, and whether there are any overdue records. In case you notice outdated information or errors, you can dispute them directly through the bureau or request corrections. It’s also useful to check the score, since lenders rely heavily on it. Reviewing your history regularly helps avoid hidden issues, like small forgotten debts, and increases your chances of approval.