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How Can You Build Your Credit?

Having a good credit score is important if you plan to make large purchases, such as a vehicle. While some dealerships are able to work with those who have less than stellar credit, it makes it more challenging to get approved for financing and to get a good interest rate. If you’re ready to improve your credit before you buy a car in Cicero, Chittenango, Cortland or Elbridge, we’ve got some helpful financial tips for you.

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How Can You Build Your Credit?

4 Tips to Build Your Credit and Improve Your Credit Score

  • Pay Your Bills on Time: Late or missed payments negatively impact your credit score, if it’s only a couple of times. Be sure to always make your payments on time or early, and never miss a payment.
  • Check Your Credit Report: Thought it can be scary, it’s important to check your credit report to see an accurate picture of where you stand currently. You’ll also want to look through the report to see if there are any mistakes or discrepancies that are affecting your score. If there are, you can dispute the issues.
  • Pay Down Debt: This seems like a no brainer, but it’s important to pay down any debt you have to improve your debt-to-income ratio. Carrying a lot of debt has a negative impact on your credit score.
  • Consider Credit Counseling: If you’re having trouble making ends meet, working with a credit counselor can help you take charge of your financial situation and get your back on track.

Financing with Sun Chevrolet

If you’re ready to learn more about financing options for a new or used vehicle with Sun Chevrolet in Cicero, Chittenango, Cortland, or Elbridge, and want to know if you can get approved for a loan, contact us to speak to a member of our finance team.

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