Historically, people with low credit scores struggled to get approved for most loans or credit cards, but things have changed. Now, lenders and credit card issuers are using alternative methods and data to evaluate applicants, opening the doors to more approvals. Below, we’ll explore some of the ways even those without optimal credit are securing loans and credit cards. 1. Stable Payment History Although many factors are weighted in an individual’s credit score, payment history is worth 35%. Cynthia C ...