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Do you have bad credit that needs some serious repair? Do you have no credit because you have been misinformed that “the best debt is no debt”? Has it been a few years since you’ve checked your credit report, and you have no idea what your accounts look like these days? Worried about your chances of locking down financing?
AutoCenters Herculaneum is here to lend a hand. We’re a top resource for no credit and bad credit auto financing in St. Louis and St. Charles County, and have helped thousands of local drivers get better credit. It won’t happen overnight, and you might not have perfect credit even after a year of practicing good habits, but if you follow some smart tips, you can get noticeably improved credit in just 12 months.
This one seems like a no-brainer, and in a way it is. But life happens, and sometimes you might forget when your payment is due, your check bounced or your card was declined and you didn’t know, or, on occasion, the money just isn’t there. But, timely payments are the fastest, easiest, and best way to get your credit back on track safely. Set reminders, mark your calendar, or–if possible–set up auto-pay functions on your accounts so you miss as few payments as possible.
Another no-brainer, and in an ideal world your credit balances would be low, and manageable, and you could pay off every account with ease. Ideally. But if you have kids, or pets, or you own a vehicle, or you’re a little accident prone, you know that unexpected costs can come out of nowhere. ER visits, vet visits, busted parts or broken-down engines, broken bones. You can’t plan for those things. You can, however, be vigilant about your account balances, know how much you’re paying into them every month, and keep balances as low as possible.
Legally, you are entitled to a free credit report from the three major agencies–Equifax, Experian, and TransUnion–once every 12 months. Space them out across the year and you can do a pretty good job of tracking how your credit is doing. From your report, you can see all of the accounts open under your name, the health and age of them, and what area you most need to improve in.
And then, the #1 tip for getting your credit back on track:
At AutoCenters Herculaneum, we’re specialists in the realm of bad-credit/no-credit car loans near St. Louis; we know how the system works, how you can boost your credit score without having to sacrifice your lifestyle, and how you can feel good about your credit standing within just a few months.