Do a simple search online around St. Louis, O'Fallon, or St. Charles County for "how to fix bad credit" and you'll be quickly bombarded with "easy" ways to build bad credit fast--or, to establish credit if you have no current history.
This seems like a great idea, at first.
But the team at AutoCenters St. Charles is here to tell you that these schemes can all too often hurt hardworking, honest folks who are just looking for a way to get affordable prices and low financing rates on their next vehicle.
We can help you brush up on 3 time-tested ways to build your credit, without risk and with people that you trust.
1. Keep a close eye on your credit report: there are thousands of drivers with bad credit who aren't even truly in debt! Mistakes can pop up on your credit report--like accounts or late payments that shouldn't be there--that can tank your score. Get your free credit report to make sure there are no errors that are affecting you.
2. Open a new account--and be responsible with your payments: believe it or not, opening a new account (if you only have a few currently) and being strict with your timely monthly payments is a pretty safe way to boost your credit in as little as a year.
3. Reduce the debt you owe: if you're struggling under the financial strain of a car lease or purchase that you made earlier and now can't afford, come talk to us. We may be able to help you trade in your expensive daily driver for a much more affordable option, instead, and lower your payments significantly.
Building a great credit score is like anything that's worth doing: it takes time. There is no fast fix for bad credit. But, when you work with us and find an affordable used vehicle that you like, the long road can be a little bit more comfortable.
Learn More About Bad Credit & No-Credit Car Loans Here
Categories:
Bad and No Credit Car Loans
