Valencia Nissan

24111 Creekside Rd
Directions Valencia, CA 91355

  • Service: (888) 482-1704
  • Parts: (888) 208-1592
  • Sales: (888) 286-6806

Credit Score FAQs | Finance with Valencia Nissan!

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Part of the process of financing a car at Valencia Nissan and other dealerships is pulling up your credit score. For many, this can be daunting. What is a credit score? How is it used? How can I improve it? These are the kinds of questions our customers ask every day. To save you some time, let's cover the basics.

What is credit score?

Whenever you open a new credit account, take out a loan, buy anything on credit, or pay back your bills, you build up credit history. A credit score is a summary of that history that gives loaners a ballpark estimate of how much risk they are taking by granting you a loan. If you keep debt at a minimum and pay your bills back on time, you should expect to have a high credit score.

How is it used?

Credit score is used to determine whether you qualify for a loan. At Valencia Nissan, this applies to a loan for a car, but outside of the dealership, this also applies to obtaining a mortgage, renting an apartment, or even getting a new credit card. The safer your credit score makes you seem, the more likely banks and other loaners will be happy to lend you money.

How can I improve it?

Knowing what affects credit score makes it easy to understand how it can be improved. Generally speaking, there are three major things you can do to improve your credit score, though keep in mind that there are no quick fixes. Consistency and reliability are key.

  • Pay back your bills on time. This is the best and most important thing you can do.
  • Minimize debt. Avoid taking out loans for anything other than very big expenses, like a mortgage or car, which you know you can pay back; additionally, try to use only around a third of your available credit.
  • Don't open many credit accounts. Not only does this make you seem like a riskier investment, it also makes it more difficult for you to keep track of all your debt. If you are tempted to open a credit account to pay for another, that's a downward spiral you should try to avoid. Seek a finance professional instead.

These tips should help you work on improving your credit score ahead of buying a car. And of course, at Valencia Nissan, our professionals will work with you to get you the best possible deal on a car no matter your credit score!