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When you buy a car you need to make sure your credit is right and if not work to get it right. There are a ton of credit mistakes that people can make but if you know what to look out for auto lenders will appreciate it more.
Dealing with debt for a used car in Pittsburgh
We don’t want you to have too much debt that it ruins your credit. That’s not a good way to live. 77% of people use their credit cards that have a credit score under 600. Not a good look for some one that’s looking to buy a car.
Keep your spend low on the credit cards and have a solid down payment for a car in Pittsburgh. You can always use the cash more and pay down on the credit card. That’s what some people do.
Raising your credit score is a lifestyle change and it won’t always be easy but if you want to own a car you will need to make some changes.
Raising your credit score for a car
One way to raise your credit score is to make more than the minimum payment that’s due. It will help you pay off your credit card faster. The more money you put down on your card the better.
When you have the money make the payment don’t wait 2-4 months to make payments on the card. Did you know that your payment history accounts for 35% of your credit score so start making payments. Don’t wait the 30 days because it can hurt your score.
If you don’t have the money don’t buy it. We know that’s hard to hear but you don’t want to tap into your credit card and pay the interest that can cost you a lot.
We can help you with auto financing in Pittsburgh PA
Last thing; don’t close your credit card accounts. Yes it’s good to pay off your balance but it can hurt your credit score. So keep it open and maybe use it for small purchases but pay it off each month.
Car dealers look at your credit score before they go looking at auto financing and the better your credit score looks and payment history is the better.
At Quickcarloansnow.com we can pin point the best car dealer for you in Pittsburgh for the car you can afford. Rather you have a bad credit score or good we can find a car dealer that has auto financing for a used car in Pittsburgh.