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Cleaning Up Your Credit Before Buying A Used Car, Dallas TX

Considering buying a used car in the Dallas, TX area but have less than stellar credit? Here are a few tips to help you clean up your credit before buying a car.

Order A Copy Of Your Credit Report

It’s important to order a copy of your credit report from the three main reporting agencies; Transunion, Equifax and Experian since all bureaus are independent of each other and report different information. If you’ve been denied credit within the past 30 days you may qualify for a free report. Check your report for any obvious errors. Check your personal information including your name, current and previous addresses and employment information in order to make sure that everything is accurate. Review your account information for errors. For example, if you’ve paid off an account and it still shows a balance you may want to dispute that.

Pay Down Balances

A high amount of available credit may affect your income to debt ratio. If you have a high amount of oustanding balances try to pay them off if possible. Balances may affect your FICO score.

Consider A Buy Here Pay Here Dealership

If you are having difficulty qualifying for a traditional auto loan near Dallas TX, you may want to consider finding your next used car in the Dallas area at a buy here pay here dealer like Auto City Credit. We are the bank and the dealer which enables us to help those with poor and zero credit purchase cars. We also report to the credit bureaus which helps you re-establish credit.