Your Credit

The Good News About Repairing Credit

If you have credit challenges, you are not alone! Millions of people have credit problems and challenges, but go on to repair their credit and make responsible purchases. We strongly encourage people not to pre-judge their credit. It is to your advantage to work with specialists who understands how the credit scoring system works. Our staff has a track record of providing needed information to lenders so that financial decision makers can assess their lending risk accurately, therefore be more likely to say "yes".

We understand bad things can happen to good people. Divorce, slow payments, unexpected expenses, health problems, and even bad decisions don't have to ruin your credit forever. Let us help you get "on the road" to repairing your credit, while you get "on the road" with the vehicle you want and need.

The Importance of Good Credit and Understanding the Basics of Credit Bureau Reports

Good credit today is an essential part of every day life. We buy so many things on credit from homes to cars, furniture to groceries. We buy gas, clothes, and anything you can think of. That is why your credit is important to you. Information on your credit report can stay on there for many years. There are over 2,000 credit bureaus in the United States that are the gatekeepers of your credit. The three major credit bureaus are Experian, Equifax, and TransUnion. They score your credit according to their formulas to develop what is known as Fico Scores. Fico Scores usually range from 400 to 850; 400 being the lowest score and 850 being the highest score. These credit ratings or Fico scores estimates the ability and willingness to repay a debt or loan.

Things Change!

The decision makers at credit institutions base their determinations on many factors. Your credit score is only one of many factors. Often the level of credit score that a lender will accept will vary with the competitve market conditions. Just because you have applied in the past, you shouldn't automatically assume you will get the same answer the next time. Income, credit reporting,and old items that have dropped from your report are all examples of changes that can affect your credit score and chances of obtaining the credit you need. Don't let a bad or embarrassing experience keep you from applying again, especially now that you can apply on the web in the privacy of your home!

A Specialist Could Help You!

Another factor considered by lending institutions is their total risk. Sometimes a new or late-model car, with a high-resale value, creates less risk for a credit institution. In some situations, consumers may be approved for a new or late model car more readily than an older vehicle with limited resale. That is just one example why working with a specialist can help you find a car that meets your needs, and improve the quality of your application package. No firm can guarantee that your credit application will be approved, but we can guarantee you won't be approved if you don't even apply!

You Can Fix Your Car... or Fix Your Credit!

Let's get started on the road to credit repair. Fill out our application or call one of our Credit Specialists.