3 Tips to Improve Your Credit Score This Year

If you have bad credit, it can feel like the whole world is against you. Bad credit can make it impossible to find a loan to continue your education or buy a new car, limit your housing options and even make it more difficult to find a job.

At PA Auto Credit, we are dedicated to helping people with bad credit find an auto loan in the Philadelphia, PA area. Make 2018 your year and employ these strategies to start raising your credit score now!

●  Sign up for autopay. If you have more than one loan or credit card, you may accidentally miss a payment even if you have money simply because you go the due dates mixed up. Signing up for autopay on your bills and accounts will help you make sure that all your accounts are paid.

●  Raise your credit limit. Your credit score is actually calculated as a ratio, and heavily considered how much of your credit that you use on a month-to-month basis. If you use a large percentage of your credit, you are considered a "high-risk" borrower, and your credit score will lower. However, if you can raise your line of credit, your percentage of usage will naturally lower. If you've recently gotten a raise or a new job, inquire about increasing your line of credit to raise your score.

●  Say "no" to in-store card offers. Nearly every retail store offers their own credit card these days, and many store associates will tempt you to apply for a discount or special offer. However, every time you attempt to open a new card, your credit score will take a hit, even if you are approved for the card. These cards almost always carry very high rates of interests that cancel out your savings, so it's better just to say "no" to brand credit cards.

Remember, seeing your credit score rise is a process, not an instant gift. If you have bad credit and need a car loan in Philadelphia, PA, call our friendly staff at PA Auto Credit at 800-371-1769. We will work with you to get you on the road, no matter what your credit score is.