Posts Tagged ‘credit repair’

How to Increase Your Credit Score With Drive Casa

Tuesday, March 5th, 2019

Is it really possible to get better credit by financing a used car? The answer is yes! When you’re struggling with credit issues and know you need a better car, it’s easy to feel hopeless…But there is hope! Here at Drive Casa, we are a Buy Here Pay Here dealership that specializes in financing those who don’t have credit or have bad credit.  Continue reading to learn how buying a used car can improve your credit over time! 

Establishes a Line of Credit

If you don’t have any credit built up, financing a used car can help establish a line of credit! As long as you are proactive with your payments, your credit will build overtime.

Pay On Time, Every Time

Paying loans like mortgages, student loans, or car loans on time can increase your overall credit score greatly! We will work with you to find a car payment that fits your budget so it’s easy for you to make your car payment on time each month.

However, if you do not pay your car note on time, it can decrease your credit score.

Check Your Credit Score 

When you apply for an auto loan, we’ll go over your credit report with you to make sure everything is accurate. The Federal Trade Commission has found that 5% of consumers have mistakes on the credit reports that affect their overall credit score. You can contest errors that you may find on your credit score. It is important to make sure that your credit report is accurate, removing any errors can improve your overall score.

Interested? Visit our website to get pre approved today or to browse our large inventory!

Gift a Car for Christmas!

Tuesday, December 18th, 2018

In just one week, it will be Christmas! Think of that special someone in your life that deserves the world. You might not be able to get them a mansion or yacht, but you can still give them a gift that they will remember and appreciate for the rest of their lives…. Yes we are talking about a car! We know what you’re thinking, “A car for Christmas?! That’s crazy!”, but actually it doesn’t have to be a huge, crazily expensive ordeal. Check out some of these reasons why buying a car for a gift is a good idea!

Not As Expensive As You Think

Buying a car is certainly not a cheap gift, but it doesn’t have to break the bank either. Instead of looking at the most expensive models, choose a used model. It won’t cost near as much as a brand new vehicle! Here at Drive Casa, we have great quality vehicles for very affordable prices! Don’t have any credit or have bad credit? We will still finance you!

Less Pressure

Literally anyone would be happy to get a car as a gift regardless of the style. But if you are still trying to find the “perfect” gift, take them shopping instead. You could trick them and ask them to help you look for a car, or announce on Christmas morning that you plan to take them to the dealership later in the week to pick out their own car.

Less Crowded

If you were to attempt to go into a mall or any department store in the next month,  you’d find lines that trail on forever. Since not everyone is going to buy loved ones a car for Christmas, you won’t have to deal with the hassle of crowds! This may seem like a small benefit, but can save you a lot of frustration and time wasted in the long run!

We completely understand that giving a car for Christmas is not for everyone. But if you have the means to do so, and you have an incredibly special person in your life, it might be the perfect gift! Christmas will be here soon, and getting someone a car will certainly amp up the spirit of giving! To browse our inventory today, just visit our website!

3 Christmas Gifts for Your Car

Monday, December 17th, 2018

Christmas time is just around the corner, have you gotten all of your gifts purchased?

While most of you have already begun your annual Christmas Shopping ritual, many of you will forget to buy a gift for the one thing that takes care of you all year long…your vehicle!

Don’t leave your vehicle out in the cold this holiday season, check out these 3 Awesome Christmas Gifts For Your Car!

The Kensington Proximo

Do you lose your keys way too often than you’d like to admit? No problem! The Kensington Proximo is your solution!

The Kensington Proximo works with a simple fob-and-receiver combination: you attach the fob to your key, couple it via bluetooth to your phone, or leave a fob in your car. Using a smartphone app, you can find it anywhere that you get a gps signal. And if you’re prone to losing your phone, when you move a certain distance from it, the app lets off an alarm.

You can purchase on Amazon for just $19.99!

Bluetooth Phone System

Are you a distracted driver who constantly messes around with gadgets? Having a bluetooth phone system like the SuperTooth HD handy in your vehicle helps remove one less distraction from your hectic ride.

Even when conditions become more hospitable, it’s still a much better idea to use a bluetooth phone system over the normal device while driving.

You can get the SuperTooth HD on Amazon for $64.49.

Car Seat Massager

Drive long hours? Upgrade your commute with a back massager designed specifically for your car!

You can buy a car seat massager from Amazon for just $49.99!

 

Don’t get so caught up in buying things for others, that you forget about your car!

What’s your favorite gift idea for your car? Let us know in the comments below!

5 Misconceptions about Buy Here Pay Here Dealerships

Saturday, December 1st, 2018

Buying a car is a very big decision to make. So, before purchasing a car, there are some things you have to consider, such as finances or payment plans. Although there is a certain way that Buy Here Pay Here dealers function, there are also some very common misconceptions about them as well. Busting these myths will help you see the advantages of a dealership like Drive Casa has to offer! Continue reading to learn 5 misconceptions about Buy Here Pay Here dealerships!

1. BHPH dealerships are not regulated

Many people think Buy Here Pay Here is an unregulated industry. However, BHPH dealers can only operate with significant laws and regulations binded to them. The regulations that BHPH dealers have to deal with are both on the federal and state level. This is very similar to traditional dealerships. BHPH dealers actually help you by protecting you on several aspects; they ensure operational ethics and quality of a consumer’s purchase, amongst many others.

2. BHPH charge sky high interest rates

Finance and lending generally institutes higher interest rates to those with bad credit. The BHPH industry isn’t the only industry that does this. Think of it like the bank; however, unlike banks, BHPH dealers do not charge sky high interest rates. Some believe that they will be charged 30 percent APR or higher by BHPH dealers. Contrary to this belief, most BHPH dealers usually only charge 10 or 20 percent APR. Of course this number depends on factors, but it focuses primarily on the purchaser’s financial  ability.

3. Banks do not charge late fees but BHPH lots do

Although many people think that BHPH lots or dealers will impose additional charges as well as repossessions for late payments, this is actually very far from the truth. While some BHPH dealerships do implement rules similar to this, it is not entirely true for all BHPH dealers. In fact, BHPH dealers do charge late fees, but they are significantly smaller compared to other lending companies. In this case, the bank.

4. There is no guaranteed warranty

Many people think that Buy Here Pay Here vehicles do not have warranties. This makes potential buyers afraid to purchase cars at BHPH dealerships since they will not have protection. However, at Drive Casa, we do offer free oil changes as well as offer as a warranty on all of our vehicles!

5. Inventory shortages and issues causes repossession

The goal of many Buy Here Pay Here dealerships is to help each customer reach the end of their loan and get everything paid off. Furthermore, here at Drive Casa, we understand that working with a customer is more important than getting vehicles repossessed as quickly as possible. Although repossession does happen, it doesn’t happen to every deal made. It is actually the last option the dealer has to make and is usually done due to multiple failed payments. Many believe that their cars get repossessed because BHPH dealerships do not have a lot of cars in their inventory. However, as discussed, it is not the case.

As you can see, Buy Here Pay Here dealerships like Drive Casa are respectable establishments. Our main mission at Drive Casa is to help those in the community that don’t have the best credit (or any credit at all) find a vehicle that fits their lifestyle needs. For more information, please visit our website today!

How to Improve Your Credit Score

Sunday, October 14th, 2018

Cash is slowly becoming a thing of the past. We live in a world of credit, and maintaining a good credit score can mean the difference between having the necessities of life and struggling to get by. There are many factors that contribute to your credit score and trying to understand them all can be a daunting task. One thing is for certain, if you are one of the many people with a credit score that is considered poor or if you have no credit history to speak of, it is time to get back on track.

At Drive Casa, helping people fix damaged credit histories is priority number one. Because we are so committed to credit maintenance and repair, we have compiled some quick tips on how to get a less than perfect credit score back on track.

 Get Rid of Your Debt

The most obvious tip is to pay off as much outstanding debt as possible without adding new charges. Outstanding balances can bring a credit score down. While paying off your debt in one big swoop may be unrealistic, increasing your monthly payment even by just a few dollars can make a significant difference.

Don’t Close Unused Accounts

Avoid closing unused accounts. Getting rid of old accounts might make you less likely to use credit, and it also wipes out part of your credit history. People with little or no credit history will face the same challenges as those people with poor credit.

Check your Credit Score

Keep an eye on your credit report. Everyone makes mistakes – even the credit bureaus! There may be inaccurate information on your credit report that is contributing to a low score. Each of the main credit bureaus maintains a dispute department. If something doesn’t look right, report it.

Create a Budget

Create a personal budget and stick to it. Being disciplined with your finances will help avoid the pitfalls that helped lower your credit score to begin with.

These tips are just a few things you can do to help improve your credit score.

Establishing new credit so that you can re-establish a solid payment history can be hard with a tainted credit score. This is where we can help the most! We help people with little or no credit get into quality used automobiles regardless of their history. When you purchase a vehicle from us, you not only get a reliable vehicle but you take the first steps in showing a positive payment history. For more information, please visit our website!

 

 

Buy Here Pay Here Benefits

Sunday, October 7th, 2018

Here at Drive Casa, we are a proud Buy Here Pay Here used car dealership. However, we understand the social stigma associated with such places. We want to set the record straight, so continue reading to learn the many advantages of getting your next vehicle at a Buy Here Pay Here.

Financing Made Easy

No matter what your credit situation, our specialists can help tailor a finance package to fit your needs. Our experience with a wide variety of financial institutions helps us provide financing for all credit levels. To get started, just complete our secure online credit application. We’ll help you get approved, making it even easier for you to shop for your next vehicle.

Credit Repair

We can report your payment history to credit bureaus to increase your credit score! As long as you pay on time, every time, your credit score will increase!

Speed

Instead of waiting awhile for a car loan to process, you can buy your car and get it financed here. Literally everything is handled by us, which makes the process much more efficient and faster.

Flexibility 

We understand that everyone’s financial situation is different. We are willing to work with you to find the financing plan that best works for you. When others won’t work with you, we always will!

We totally understand that the benefits of a Buy Here Pay Here may not be for everyone. However, for those that are struggling to find financing elsewhere due to low credit scores, dealerships like ours can be highly advantageous. To learn more about what a Buy Here Pay Here dealership like Drive Casa can do for you, give us a call at 469-336-2221.