MAKE THE MOST OF WHAT YOU HAVE

     OK so you have had some credit problems in the past and feel you CANNOT purchase another car.  THAT may not be true.

     After the credit crisis, lenders are aware that many folks took a beating on their credit score. They are looking more at what IS on the report as well as the numerical representation.  

Make You Credit Shine

  If possible six months before you try to buy a car get your credit score.  You can request your credit report from the three credit reporting agencies, Experian, Transunion, and Equifax.  Get your report from all three as dealers and lenders often look at more than one report to get your loan approved.  

     Unfortunately, you may have ERRORS on your report. Look over your report carefully and file a dispute with any items that have been improperly reported.  Look also for for any judgments or past due balances you can pay off.  Even small negative items can make your score go down.