AUTOCENTERS ST. CHARLES BLOG - ST. LOUIS, MO

Can Opening a Credit Card Increase Your Credit Score?

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You may think that the answer to this one is easy--especially if you're in the no credit is good credit camp--and say: "Heck no!"

But, depending on a variety of factors, you may be wrong.

While it's true that opening any type of new credit account could lower your score (especially if you have no credit or have very poor credit), there are some benefits to credit cards that could cause more good than harm in the long run.

And good credit is all about the long run.

 
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What are the Most Reliable Trucks?

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You know that a used truck gets you a lot for the money--but only if you choose the right one.

There are the big things to look for to know that you're getting your money's worth--like an absence of rust spots and a tidy undercarriage--but you can even just start by limiting your search to some brands who are known for being reliable and durable.

US News & World Report did some of the work for us, and we're taking a look at three of the top most-reliable trucks on their list:

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Refinance, or Trade In? What to Do with Your Car

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Are your current car payments too high? Did you get stuck with too-high rates when you first bought the car? Or, has your credit improved significantly since you first secured a loan, and you think you deserve better?

There are a few options for you.

You could refinance your car loan through an approved lender--essentially, take out a new loan to cover the old loan.

 
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This Credit Tip is the Big One

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What is possibly the most important tip for keeping a lock on your credit score and credit health?

It's no big secret--in fact, you won't be very surprised at all by how simple this one credit tip really is:

If you have bills, pay your monthly cost on time, every month, until that bill or loan is over with.

It really is that simple, but this one simple thing is going to be the absolute most important thing for fixing bad credit, or for establishing a strong history if you have no credit at all.


 

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You Could Put Your Tax Refund Toward a Smart Car Loan

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Drivers all across the St. Louis area are already dreaming of what they're going to do with their tax return checks from the government. Some might be shopping around for a fancy new TV--others are pricing out plane tickets to fly somewhere warm and escape this brutal Missouri winter!

But, if your current car is letting you down and it's time to get into a nicer vehicle, you should consider using your tax return as a downpayment for a budget-friendly sports car, a truck, or an adventurous SUV.

 

 
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20/4/10: Are Your Car Expenses Keeping You on Budget?



 

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No other car dealer near St. Louis talks about car loans and budgeting as much as we do; because at AutoCenters, we're not looking to make money. We're looking to make relationships with drivers all over Missouri.

And a great relationship is based on working together.

Which is why we're committed to working with our clients to find the vehicles and the deals that are really going to work for them.

So, to help you find a car that you can really afford--without having to cut out the little things in life--we're going to take a…

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Free Credit Scores: Are They Too Good to Be True?

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They say that nothing is truly free, but when it comes to getting your credit scores through legitimate sites, it comes pretty close.

Tracking your credit report and your credit score can make a huge difference in the decisions you make when shopping around for auto loans in St. Louis, or deciding whether you can afford to finance a more-expensive car or just buy a cheaper car in cash. A lower credit score means higher rates (and more interest in the long run) so knowing what kind of score you've got--and what your credit history looks like--can make your…

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Old Credit is Good Credit

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Some people think that no credit is the best credit; but, apply for a home or auto loan in the St. Louis area, and you'll likely see that lenders are wary of potential borrowers who have zero credit history.

The best kind of credit is old, strong, positive credit: credit cards you've had for years with low utilization rates, loans that you've paid off in full (or have been paying for a long time), etc. These old accounts not only show potential lenders that you have experience borrowing and paying back money, it actually works to actively…

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