Do you have special credit needs? Maybe you have a bankruptcy in your past, or maybe a divorce? There could be medical bills that were unpayable, or a temporary disruption in your income. Whatever the reason, Credit Center of Suffolk County wants to put you on the fast track to from bad credit to good credit. It’s easy!  All you need to do is take the specific steps we advise, and you will be well on your way to good credit.

The first step is to pay down credit cards that might be a little too close to their limits. These high interest, high balance cards can hurt your credit score if you are always hovering near your maximum. Pay these down first so credit companies can see that you are using less than 20 to 30% of any credit line. Second, make sure there are no mistakes on your credit report. Everyone is entitled to a free credit report from all three reporting agencies each year. Get yours and check it over thoroughly. Any errors need to be corrected by mail to each of the reporting companies, TransUnion, Equifax and Experian.

Finally, any easy way to put yourself on the fast track to good credit is by using credit. This may sound counter-intuitive, but if you make small purchases and pay off your balances in full each month, it goes a long way towards improving your low credit score. If you have any questions about improving your credit, be sure to ask us. We are the helpful professionals at Credit Center of Suffolk County at the Smith Haven Auto Group, so give us a call at 855-704-5617.