You've decided that you need a loan and you want to go see a lender tomorrow. This is possible but you need to check what your credit history looks like. With the new technological advancements you can raise your credit score over night. This is of course in the case where you have a few points missing and you can only get the loan you want if those few points are made up. You don't have to give up now you will be able to raise your score by the time you want that loan.
The first thing you need to do is to get your credit report. This can be done online and sometimes you can do it for free. When you have obtained your report you have to check for mistakes. Some people have found that they get an unfair loan just by the mistakes that have been made on their reports. You are able to change your score (sometimes drastically) is you fix your score and this can be done as soon as you contact your credit bureau. The credit bureau will the fix those mistakes and change your report within a matter of a few hours. It is your responsibility, however, to become aware of those mistakes and point it out to them.
The first attempt you should try to raise your credit score would be to use something called "rapid rescore". You have to go through a mortgage broker to do this. You have to get your credit report and check where you are able to pay a debt off, there are various things you can change within a day an you will be able to tell whether you can pay certain outstanding debts or not. This will raise your credit score immediately. The credit bureau will then change the contents of your credit report to raise your credit score.
Another option is to get a temporary "bump up". This is good if you need your credit score to be a little higher than it is. The word "temporary" is important because it only lasts a certain period of time. This should also be done through your credit bureau. It is vital that you try everything you can to raise your credit score because you will save a lot more money on interest if it's up to scratch. You can take that money (you'll be surprised how much you pay) and invest in yourself and maybe your family. It's also quite frightening how a few modest points can make an enormous difference.