Drive Casa Official Blog
Archive for January, 2018
4 Amazing Benefits Of Buy Here Pay Here Dealerships
Thursday, January 18th, 2018
Buying a car doesn’t have to be a hassle. For first-time buyers or buyers with credit issues, there are many benefits of Buy Here Pay Here Dealerships.
Buy Here Pay Here Dealerships can provide you with guidance on the type of car that might best fit your needs and budget. Also, most offer limited warranties or have certified vehicles that will ease your worries about the quality of your car.
Here are four amazing benefits of Buy Here Pay Here Dealerships:
No Credit No Problem
Regardless of your credit situation, you will always be able to get a car from a Buy Here Pay Here Dealership. The dealership takes on the risk of having customers with bad or no credit because they know credit is not the only indicator of a financially responsible person.
Speedy Service
Buy Here Pay Here Dealerships can reduce waiting times significantly when buying a car. You don’t have to wait for a bank to approve your application or look for other lenders. The dealership will provide an approved auto loan, which makes the process much faster.
Low Down Payments
Since Buy Here Pay Here Dealerships are a one-stop shop when purchasing a vehicle, they have the opportunity to offer low down payments to their customers. This way, you are able to get the car that you need without having to pay 20% of the car’s price for a down payment.
Build Your Credit
Building your credit can be challenging at first. If you have no credit, purchasing a car from a buy here pay here gives you an opportunity to build your credit history while getting the car you want.
If you’re in the market for a car and want an alternative to typical car dealerships, try visiting a Buy Here Pay Here Dealership. You’ll find that the fast service and low down payment options are a better fit for you.
Como Puedes Mejorar tu Crédito
Tuesday, January 9th, 2018
¿Por qué te conviene mejorar tu crédito? Tu puntaje de crédito es un punto de referencia para acreedores para determinar si eres lo suficientemente solvente para un préstamo, una hipoteca, o una tarjeta de crédito. Con un puntaje alto, es más probable que tus solicitudes de préstamos sean aprobadas, pero si tienes un puntaje bajo es más probable que te ofrezcan un interés más alto, que tengas que pagar un enganche más alto, o que tu solicitud sea rechazada.
Afortunadamente, un puntaje bajo no es el fin del mundo. Hay maneras en las que puedes mejorar tu crédito y subir tu puntaje.
Verifica Para Exactitud
Las agencias de crédito pueden cometer errores y aveces atribuyen una deuda o una cuenta a la persona equivocada. Gracias a sitios como Credit Karma , puedes revisar tu puntaje de crédito de manera gratuita y asegurarte que no haya ningún error. Si encuentras alguna cuenta o deuda que no reconoces en tu reporte, contacta a la agencia de crédito para que corrijan su error y para que mejores tu puntaje.
Paga tus Deudas
¿Se te olvidó pagar la última factura de luz del apartamento en donde viviste hace 3 años? ¿Le debes dinero de tu último celular? Es fácil olvidar deudas de hace años, pero una pequeña deuda aún puede afectar tu puntaje de crédito. Verifica si tienes balances en tu reporte. Entre más pronto pagues tus deudas, más pronto podrás mejorar tu crédito.
No Uses tu Tarjeta de Crédito Excesivamente
Tener una tarjeta de crédito puede ser muy útil ya que te da la oportunidad de tener más dinero disponible que puedes pagar después. Sin embargo, si llegas al límite de tu tarjeta muy seguido, puede bajar tu puntaje de crédito. Aprende sobre las mejores maneras de utilizar tu tarjeta de crédito aquí.
Abre Cuentas Nuevas
El historial de crédito es otro elemento importante que determina tu puntaje de crédito. No tener crédito puede ser tan perjudicial como no pagar tus deudas. Algo tan sensillo como adquirir una tarjeta de crédito o pedir un préstamo de auto puede mejorar tu puntaje. Es importante saber que pagar a tiempo es clave para mejorar tu puntaje de crédito.
No dejes que tus errores pasados interfieran cuando quieres adquirir el auto, la casa, o la tarjeta de crédito que deseas. Si eres responsable con tus finanzas, se reflejará en tu puntaje de crédito.
Ready to Boost Your Credit Score? How to Start Now
Monday, January 8th, 2018
Why boost your credit score? Your credit score serves as a point of reference for lenders and creditors to determine if you are creditworthy enough for a loan, mortgage, or credit card. Having a high credit score will make loan applications much easier, but if you have a low credit score you will most likely face higher interest rates, high down payments, or even rejected applications.
Thankfully, a low credit score is not the end of the world. There are easy steps you can take today to boost your credit score and make it as healthy as possible.
Check for Accuracy
Reporting agencies often make mistakes and may attribute an account or debt to the wrong person. Thanks to sites like CreditKarma, you have the ability to keep an eye on your credit score for free and check for any mistakes. Make sure to dispute any mistakes to keep your credit score accurate, to boost your credit score.
Pay Off Past Due Debts
Did you forget to pay your last electricity bill for the apartment you had three years ago? Do you still have a balance with your past cellphone carrier? It’s easy to forget about debts from years ago, but even a small unpaid debt can impact your credit score. Check for outstanding balances on your credit report. The sooner you pay them off, the sooner you’ll boost your credit score.
Don’t Use Your Credit Card Too Much
Having a credit card can be very useful because it gives you the chance to have more money available that you can pay off later. However, if you reach your credit card’s limit very often, it can lower your credit score. Learn more about credit utilization and the best ways to use your credit card here.
Open New Accounts
Credit history is another important element that determines your credit score. Having no credit may be as detrimental to you as having bad credit. Something as simple as getting a credit card or taking out a car loan can increase your credit score exponentially. Keep in mind that staying current with your payments is key when trying to boost your credit score.
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