Toyota

1128 W. 3rd Ave
Directions Spokane, WA 99201

  • Sales: (877) 413-5871
  • Service: 877-261-8561
  • Parts: 877-208-6405
Info

Credit Building Tips from Downtown Toyota in Spokane, WA

 

Ten Best Ways to Improve Your Credit Score

If you feel like you are alone in the battle with a poor credit score, well the truth is you are not alone. There are more people more than ever before who are facing the dreaded bad credit score which isn't allowing them to receive the loans and interest rates they want. The problem isn't necessarily your credit score, it is the fact you aren't being proactive to actually improve your credit score. Yes you can continue to make payments on time or pay off a past due balance which is comprised of roughly 35% of your credit history and overall scoring, but to really get your credit score back on track, you should make some additional actions. Such as:

Get a Copy of your Credit Report Annually

You can actually receive one free copy of your credit report each year from places like Annual Credit Report. From here you can start to do both of the following: First off you want to try to negotiate with creditors, because you will be surprised how willing they are able to work with you if you are having trouble making full or on-time payments. Or if you are looking to negate old 30-day, 60-day and even 90-day past due reports, if you can prove to the creditor that you are able to make payments on time, in some cases they are willing to remove those past due actions on your report. Second step, if the creditors aren't willing to work with you and you are certain their are errors on your report, dispute credit report errors in hopes they will be removed, thus improving your credit score.

Seek Counsel and Remain Patient with Poor Credit

If you are still having trouble managing payments on time, or the full amount, if you feel like you are losing your mind, the best thing to do is remain patient, and to seek professional counseling with a consumer credit counselor.


Hours

  • Monday 8:30 AM - 8:00 PM
  • Tuesday 8:30 AM - 8:00 PM
  • Wednesday 8:30 AM - 8:00 PM
  • Thursday 8:30 AM - 8:00 PM
  • Friday 8:30 AM - 8:00 PM
  • Saturday 8:30 AM - 8:00 PM
  • Sunday 11:00 AM - 6:00 PM

Contact

Larry H. Miller Downtown Toyota Spokane

1128 W. 3rd Ave
Directions Spokane, WA 99201

  • Sales: (877) 413-5871
  • Service: (877) 261-8561
  • Parts: (877) 208-6405


 Ten Tips To Improve Your Credit:



1. Get a copy of your credit report.


2. Dispute any and all credit report

 errors.


3. Avoid new credit card purchases.


4. Pay off a past due balance.


5. Avoid new credit card

applications.


6. Leave accounts open.


7. Negotiate with your creditors.


8. Pay off debts.


9. Seek counsel.


10. Have some patience.