Ways to Get a Better Credit Score

Credit History
 

Finding yourself stuck with a poor credit score trying to secure a loan for that new Nissan? The team at Kline Nissan has put together a guide on how to get a better credit score, so that you can purchase the new car that you’ve been eyeing. Read on to discover tips to increase your credit score that will help you get closer to the car you need for driving in Minneapolis!

How to Boost Your Credit Score in 3 Steps

Your credit score is determined by several factors, including your payment history, credit utilization, length of credit history, and types of credit. Here are some simple ways to boost your credit score:

  • Keep your credit card balances low
  • Don’t close old credit card accounts
  • Don’t apply for too many credit cards at once
  • Avoid opening too many new accounts at once

On top of that, here are some additional things you can do if you’re wondering how to get a better score:

  1. Consult Past Credit Reports

You should also regularly check your credit report for errors and dispute any inaccuracies with the credit bureau. If you chance upon any errors, you can fact check them and report to one of the three major credit bureaus:

  • Experian
  • Equifax
  • TransUnion

Your reports are excellent ways to boost and raise your overall credit score. You can also get additional help on the matter through our financing center.

  1. Itemize Your Current Debts 

Writing out what debts you owe can give you security. One determining factor is credit utilization, which is the amount of credit you are using versus the amount you have available. High credit utilization can negatively affect your credit score. To raise your credit score, try to keep your credit utilization below 30%.

  1. Sign Up For a Credit Card 

If you’ve never taken out a loan or had a credit card, you could have a low credit score! Opening a credit card for a brand new vehicle in Hudson, WI is one of the easiest ways to build great credit. 

Get a Better Credit Score Near White Bear Lake!

The team at Kline Nissan is here to help you learn how to increase your credit score. We can also walk you through financing to get you closer to the car of your dreams. Contact us to get in touch with the financial experts today near Maplewood!

 

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