Can’t meet the 2-2-2 rule? Smart ways to fix your credit fast - The 2-2-2 credit rule: What lenders really want to see

Many lenders look for borrowers who can show they handle credit responsibly over time. To approve a loan, they often prefer people with at least two active credit accounts that have been open for two years. These accounts should show regular, on-time payments for the same period. It’s proof of steady financial discipline, not just a high credit score. The 2-2-2 credit rule: What lenders really want to see