How to Get a Better Credit Score

Credit History


Did you know that there are several ways to increase your credit score? Lots of Daytona Beach drivers have significantly recovered from bad credit using one or more of the methods below. The staff in our finance center wants to help you be in the spot financially you can be. So let’s talk about how to get a better credit score.

How to Get a Better Credit Score – 8 Ways

Could your credit be better? Don’t fret. Try doing the things below to boost your score so you can apply confidently for that new car loan and get rolling on our Port Orange streets.

How to Get a Better Credit Score

  • Check your credit report. This is an important first step. You can’t fix what you don’t know about.
  • Dispute any inaccuracies with the credit bureaus.
  • Open a credit card. This applies if you don’t have any credit cards. Having an open credit account (that you haven’t used up to the credit limit) counts favorably towards your score.
  • Open a secured credit card. If you can’t get a conventional credit card. Get one that is secured by a deposit in a bank account. If you pay your bills on time, this will count favorably towards your score.
  • Pay your bills on time. Bills that are paid late don’t look good on a credit report.
  • Dispute old mistakes. Unfavorable items are supposed to leave a credit report after a certain amount of time. If there’s very old late bill, short sale, or some other negative event on your credit score, find out what the time limit is on reporting it according to federal law. If that time limit has passed, dispute the event with all three credit bureaus.
  • Pay down or pay off debt. A big debt utilization ratio (used credit to available credit) can hurt your credit score.
  • Clear up collection accounts and late bills. Get these negative events off of your credit report.

Let the Finance Department at Daytona Mitsubishi Help

We’re here to help at Daytona Mitsubishi. Did you know that you can get pre-qualified for a loan on this website and see your credit score instantly? We’ll do what we can to help you get behind the wheel of your next car. You can even calculate your payment online. We’re just down the road from both Ormond Beach and Palm Coast. So drop by or contact us today.

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