They're smiling but they don't trust you. A polite nod here, a chuckle there. Meanwhile they're anxiously waiting for your credit report. You know it hurt your chances of getting the loan when you had to admit to some small financial mistakes in the past. As you leave the office with that sick feeling telling you you've already lost, they state the inevitable, "We'll let you know." Less than perfect credit is not a permanent situation. If you've made financial mistakes in the past (and who hasn't), it's not too late to start repairing your credit today.