How to Get a Better Credit Score

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If you have a less than ideal credit score, it may present roadblocks as you attempt to secure favorable auto loans. If you need assistance with figuring out how to get a better credit score, the team at Federico Kia is here to help. Find a detailed list of tips to increase your credit score below so you can have stronger buying power in no time!

Check Your Credit Reports

Errors on your credit report could be preventing you from taking to the Alton streets in a new vehicle. While identity theft is a major issue, reporting errors are far more prevalent and can create derogatory marks on your credit history for which you are not at fault.

As you ask how to boost my credit score or ways to raise credit score, verifying the accuracy of your credit reports can be an easy first step. The Fair Credit Reporting Act entitles you one free copy of your credit report per year that you can access at You should also investigate your score with all three major credit bureaus: Experian, Equifax, and TransUnion.

Assess Your Debts

Another step towards improving your credit score is determining exactly what you owe. While getting your debts organized may not be a direct way to raise your credit score, it can help you formulate a plan of action. Two factors to be mindful of when assessing debt include:

  • Your debt to credit ratio: Your debt to credit ratio is determined by how much available credit you have against what you have actually charged. In an ideal world, you should aim to keep your credit card charges under 30% of your available balance every month.
  • Number of cards with balances: While having a large number of credit cards may feel financially liberating, a balance on too many cards will hurt your score.

Create a Payment Plan

At our dealership, we commonly work with customers who are eager to learn “how to boost my credit score.” One very simple tip to raise your credit score is to create a plan of action. Our finance team can help you establish a repayment plan that includes paying off any debt that is in collections, taking care of small balances, and making headway towards paying down large debts.

Open a Credit Card

For some Edwardsville drivers looking for tips to increase credit score, this tip may come as a shock. A lack of credit may be an issue for individuals trying to acquire a new vehicle in the Godfrey area. If you have a non-existent credit history, responsibly opening a credit card can be a great way to raise your credit score. An effective tactic when determining how to get a better credit score is to pick a recurring bill to pay with your credit card each month. Be sure to set the money aside and opt for automatic billing if you can to build a responsible credit history.

If you are not in a position to qualify for a regular credit card, another tip to increase credit score is to acquire a secured credit card. This type of card can sometimes require a small deposit upon opening and usually comes with a smaller limit, but it can be an accessible building block towards a solid foundation of strong credit.

Build a Credit Age

Strong credit is built over time. If you are looking to get started today, you can improve your credit history by becoming a user on a family member’s account. As long as they have been responsible with their payments, this will begin to reflect favorably on you. Make sure to establish clear boundaries on who has access to the credit line and for what purpose before entering into an agreement of this type.

Minimize New Credit Applications

In some cases, opening a new credit card is the best way to boost credit. With that being said, it is important to be pragmatic when applying for new cards or loans. Any hard inquiry from a lender can impact your credit score for up to a year.

Find Out More Ways to Raise Credit Score at Federico Kia

If you are still asking how to boost your credit score, contact us today! We can offer a host of tips to increase credit score and are happy to help you get started on the path to building better credit. Stop by our Wood River dealership to sit down with a financial expert today!

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