Vehicle Inquiry Form

This is not a credit application

An Auto Loan can have a very positive impact on Your Credit Score



There are many different Credit Scores that creditors use to assess your credit worthiness such as NextGen, VantageScore, EMPIRICA and BEACON, but the most widely used Credit Score is the FICO Score.  According to, your FICO Score is calculated using 5 variables.  Payment history, Amounts owed, Length of credit history, Types of credit in use, and new credit.  I’m sure nobody told you all that when you took your first dive into the world of borrowing money and managing credit.  Most of us end up having credit issues because we did not receive adequate guidance on how to manage our credit.  In fact most of us don’t get adequate information of how to manage our finances.  Well there is no better time than the present to begin to reverse the trend in your favor.


Here are a few things you can do right now to help improve your credit score.

Set up automatic payments  Dispute errors on your credit report  Negotiate with creditors you currently owe  Get a secure credit card  Only use 30% or less of you credit card balance  Don’t close any old credit cards you have  Start paying on your outstanding loans because is reflects lower utilization of credit