Bad Credit is Not Fun

Do You Have Bad Credit?

Are you one of the many victims of bad credit? It's increasingly easy to fall into debt, and eventually, bad credit. Here at All Credit Car Loans, we understand the obstacles life can throw at you and can help you get a car loan, even if you currently have bad credit. Here are some tips in improving your credit and how All Credit Car Loans can actually help your credit:

  • Reduce the amount of credit cards you have under your name, having too many can hurt your credit, even if they do not carry large balances.
  • Avoid bankruptcy and collections at all costs, these hurt your credit report and can stay on it for up to ten years.
  • Obtain a copy of your credit report at least once a year so you can monitor any discrepancies or errors.
  • Pay all of your bills on time, late payments have an adverse affect on your credit score. By taking out a loan with All Credit Car Loans, you can actually help improve your score! We'll make sure you get a low monthly payment you can afford, and as long as you keep making your payments on time, your credit score will increase!
  • Call or write your creditors and ask them to reduce the credit limits on your account. This will lower your total amount of available credit, which factors into your factors into your credit score, even if you do not owe anything.
  • Try to avoid opening new lines of credit before you apply for a new loan, it can negatively affect your score if you don't already have a proven track record.
  • Lastly, you should try to keep the accounts you've had the longest open, especially if you have paid them on time and kept the balances low. Without your long standing accounts, your credit history shrinks and may look less positive.
 

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