There are some things that any individual can do before they fill out a credit application. First, find out which credit bureau(s) the lender is going to pull from. Ask them what minimum fico score is needed to get a specific tier rate. For example to get a tier 1 rate or the best interest rate both Toyota Financial Services & Utah Community Credit Union require a minimum score of 720. Others may be a 740 or a 750. Then pull a report through myfico with the exception of Experian which you will not be able to pull. Even if you are not at a tier 1 chances are you can still qualify. Do not use the advantage scores. Upon talking to different lenders this is an issue that is a problem. These are also known as the fako scores.