4️⃣. Go to a credit monitoring site that uses FICO such as Experian.com or myfico.com, order that specific credit report and look for your “Auto FICO Score. (myfico is recommended) You’re checking to see if your credit meets the qualifications. EX: if the lender said you need at least a 720 to qualify for the lowest interest rate, if your auto FICO score is 720 or above, you’ll get the lowest interest rate they have to offer ✅ 5️⃣. Call 📞 the lender back and tell them you want to apply for an a