How to improve your chances of being approved for a personal loan [MoneySense]
TransUnion (TRU)
Last transunion earnings: 4/28 06:50 am
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Source: MoneySense
In reality, lenders look at a much bigger picture. history matters, but so do income stability, existing debt, and how you approach the application itself. While there’s no guaranteed formula for approval, there are steps you can take to improve your odds, without pretending your finances are flawless.Here’s what Canadian lenders typically look for, and what you can realistically do to strengthen your application.1. Strengthen your credit scoreThere’s no way around it: your credit score plays a meaningful role in whether you’re approved for a personal loan. Most Canadian lenders rely on credit reports from Equifax and TransUnion to understand how you’ve managed borrowing in the past. scores are often grouped into rough ranges:That said, lenders don’t expect perfection. Many people apply for personal loans specifically because their credit utilization is high or they’re struggling with revolving debt. A lower score doesn’t automatically mean rejection; it simply affects which lenders
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News
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TRU
Earnings
- 10/23/25 - Beat
TRU
Sec Filings
- 2/3/26 - Form 4
- 2/2/26 - Form 144
- 1/28/26 - Form SCHEDULE
- TRU's page on the SEC website