How To Get a Better Credit Score

Finance Paperwork with Glasses

When you’re buying a car and going through the financing process, you’ll have your credit and credit score picked through and analyzed to see how much car you’re getting for your money. If you’re wondering how to get a better credit score, you’ve got Mercedes-Benz of West Covina on your side to show you how to boost your credit score whether you live in Covina or further away.

Check Your Credit, Just To Be Sure

You may think you have an excellent credit score, but you can’t be sure until you check your credit score. The Fair Credit Reporting Act entitles every American, whether in La Puenta or elsewhere, to one free credit check a year from the three credit bureaus, Experian, Equifax, and TransUnion. 

You might notice something that you weren’t aware of on your credit report, and these errors can be large–like identity theft–or small. Correcting them can help to move your credit in the right direction.

List Out Your Debts

You should take a detailed account of the debts that you have, from all sources. If you’re looking for ways to raise your credit score, this is an excellent place to start. There are two important factors that can impact your credit score:

  • Debt to credit ratio. The ratio of the amount of debt you have to the amount of credit available is a big factor in your credit score because it serves as a proxy for how creditworthy you are.
  • Number of cards with balances. If you’ve got more cards with balances, your score will be lower. You can improve your score by paying off the balances on your cards.

Create a Payment Plan

Still looking for tips to increase your credit score? Build upon the progress you’ve already made by creating a payment plan. You should focus on your debts in collections first before moving on to small balances, and tackle the larger balances each month. This is the best way of making your debt more manageable so paying it off becomes easier.

Mercedes-Benz of West Covina Are Financing Experts

Financing can be a challenge, but you don’t have to worry when you come to Mercedes-Benz of West Covina. From Covina to Glendora, you’ve got someone in your corner when it comes to getting that next car. Whether you’re looking for a new or pre-owned car, you can count on us to deliver you great cars and great service alike. Interested? Just contact us and we’ll get you on your way.

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2010 East Garvey Avenue South • West Covina, CA 91791

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Mercedes-Benz of West Covina 34.071008, -117.902525.