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How to Improve Your Credit Score

If your credit score is causing you problems in securing a credit card or car loan, we at Findlay Mazda can help you figure out how to get a better credit score to get the lease or loan that’s right for you. Find out ways to raise your credit score today with our list of tips then apply for financing online to get the process started today!

Tips to Increase Credit Score: Check Your Credit Reports

Apart from bigger issues like identity theft, mistakes happen and can negatively impact your credit score. Obtain a report from all three major credit bureaus: Experian, Equifax, and TransUnion to make sure the information is right. The Fair Credit Reporting Act entitles you one free copy a year that you can access at

Assess Your Debts

Make a list of your debts so you can see exactly what you owe. The two main determining credit score factors are:

  • Your debt to credit ratio: How much available credit you have vs. how much you have actually charged. Ideally, you want to keep your credit card charges under 30% of the available balance every month.
  • Number of cards with balances: The more cards with balances, the lower your score.

Create a Payment Plan

Attack your debts with a repayment plan that includes tackling debts in collections, eliminating small balances on cards, and working to pay down larger debts such as paying off your car loan early.

Open a Credit Card

If you’ve never had a loan or a credit card, this could also be the reason your credit score is low. Open a credit card and make sure you keep the spending under the 30% balance and pay your bills on time each month, this is a simple way to improve your credit. Pick a recurring monthly charge and pay it with your credit card. Also be sure to keep setting money aside to pay off the credit card balance once the bill arrives.

If you don’t qualify for a regular credit card, consider a secured credit card. This type of card has a small limit and usually requires an initial deposit of up to a couple hundred dollars to open.

Build a Credit Age

Your credit score is built over time. If this is something you need improved sooner rather than later, and you are starting today, one way to improve or add to your history is to become a user on a family member’s account. As long as they have paid their bills on time that will begin to reflect well on you. Before you try this, you have to make sure both parties have a clear agreement on who gets to use this line and how the payments will be handled.

Minimize New Credit Applications

A new card or a loan can definitely benefit your credit score, each application can take a toll on your credit. To avoid some of the damage to your credit score, you’ll want to keep your applications within a 14-day time period.

Find Out More Ways to Raise Credit Score at Findlay Mazda

Looking for additional advice or help on how to get a better credit score? Contact the Finance Center at Findlay Mazda. Our credit experts can help walk you through the process and get you in the new vehicle of your choice today! Don’t hesitate to reach out with any questions in the meantime about our models, how to buy a new car, where to find the best breakfast in Las Vegas, to compare the Mazda CX-5 vs. Honda CR-V, read the Mazda CX-5 safety ratings, learn about the Mazda CX-5 dimensionsSKYACTIV® TECHNOLOGY, and more.

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Findlay Mazda 36.046006, -115.01858.