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Are you having trouble getting a car loan because of your less-than-stellar credit score? Maybe you’re wondering to yourself, “How to boost my credit score?” Well, let the financial experts here at Santa Cruz Chrysler Dodge Jeep Ram share with you the tips to increase your credit score! Continue below and learn the ways to raise credit score numbers with us!
While a majority of people are most worried about credit issues pertaining to identity theft, there is also the opportunity for mistakes to occur on your credit report. One of the ways to raise credit score numbers is to actually go in and check your credit report to make sure it is as accurate as can be. To do this most efficiently, obtain your credit report from each of the three major credit bureaus: Equifax, Experian, and Transunion. Due to the Fair Credit Reporting Act, you are able to get one free copy every year which you can get access to from AnnualCreditReport.com.
One great way to really assess and later improve your credit score is to truly understand your current debts. List out your current debts and pay attention to two important factors:
One of the best ways to raise credit score numbers is to really create a payment plan and pay off your debts in collections, work on paying off large debts, and eliminating balances that are smaller on any card.
One reason why a credit score could be low could be because you have never even opened a credit card account or gotten a loan before. If you open a credit card in Watsonville and keep your balance below 30% of what’s given to you, and also pay it off on time every month, then your credit will begin to build in the right direction. In the case that you can’t qualify for a normal credit card for whatever reason, you can also consider a secured credit card. Secured credit cards often require an initial deposit on your part and they typically have a small credit limit, but it’s a start!
Of course, your credit score is built up over time. In the case that you’re starting today, a quick way to add to your credit history is to become a user on a family member’s account, as long as they have a good score and pay their bills on time (which will reflect well on your score).
Although we previously said that you could apply for a new credit card in order to improve your credit score, you will want to be careful as to not apply for too many. Lenders can see this and it may end up negatively impacting your credit score for upwards of a year’s time.
If you’re able to improve your credit score, then your chances of getting a loan or car financing multiplies—it can also help you with auto loan refinancing! Looking for more tips to increase credit score numbers? Contact us and talk with the experts in our finance center today! Or, you could always come in to our Santa Cruz dealership, which is located just a short drive from Scotts Valley and Capitola, and speak with one of our helpful staff members in person. We look forward to seeing you! And while you’re here, be sure to check out our inventory of new and used vehicles!
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