Farm Business & Financial Management
Farm Credit Score Preparation Guide
A guide to preparing your credit before seeking farm financing, covering reports, scores and habits that lenders review. For farm and household owners planning a loan.
GuideFarm Business & Financial ManagementFree PDF
The steps on this page
- Request your credit reports from official sources
- Review each report for errors
- Dispute any mistakes in writing
- Pay bills on time
- Reduce high revolving balances
- Avoid opening new credit before applying
- Separate farm and personal accounts
- Explain any past problems to your lender
- Plan ahead before your loan request
How to use this guide
Read the steps once through before you start, then keep the page nearby while you work. Use the notes lines to add what your own setup needs.
Where to check the details
This sheet is a general template, so confirm specifics with your own manuals, labels and local rules. For current official guidance, start with CFPB and Farmers.gov Loans.
For more in this area, see the farm money and loan guides. Between chores, farm.FM has farm humor, including Congress Runs Out of Time to Pass Farm Bill; Farmers Suggest Lawmakers Try Running Out of Diesel, Credit and Groceries Instead, and agribusiness farm stories.