Your request and the supporting documents determine if you are approved for a personal loan. To improve your value when requesting credit, make sure the information on the documents submitted reflects your strong characteristics as a borrower. Follow these advices to improve your credit score. 

Reduce your debt to minimum.  When you make a request for a loan, lending institutions examine your current debt carefully. You should remember the amount of debt you owe. Before submitting your request, try to reduce your debt as much as you can. For example, keep your credit card balances low, or pay them out if possible. Lending institutions need to know you are able to live within your possibilities.

Review the pattern of you credit card payments. Your credit history is another important factor lending institutions consider to evaluate if you are eligible to a loan. Your complete credit history is available with your credit card issuing bank. When you approach them for another loan, your payment pattern is carefully examined, and your spending habits evaluated to form an opinion regarding your ability to pay debt. There is no escape, a history of lateness or lack of payments will reflect a poor image in your credit history, which might discourage a lending institution.
Make sure you detail all your earnings and assets.  Fill out this section of the form thoroughly. People frequently forget to include income sources, like dividends, tips, gifts, as well other assets like jewelry and furniture. Your lender might see these assets as a demonstration of a comfortable life. 

Check if your form was appropriately filled.  At some point you will need to provide documentation to support the information on the request form. Answer the questions as accurately as you can to avoid problems during the interview.

Don’t volunteer documents where you contradict yourself. You send so many documents that the possibility of them noticing contradictions is high. The disadvantages of lying are greater than the benefits: your request could be discarded without further consideration.

Show a clean bank statement. Pay extra attention so that there are no checks bounced for insufficient funds, or overdraft fees.