From browsing makes and models to choosing a color, shopping for a new car is always a thoughtful process. As such, car dealerships have to be just as discerning when poring over your financial history. If you’re worried about a credit score keeping you from your dream ride, use these three tips to improve your odds.

3 Tips for Raising Your Credit Score Before You Buy a New Car

1. Check for Disputes

When looking at your credit report, take the time to carefully review every charge, such as unpaid loans, credit card balances, and hospital expenses. If you don’t recognize any of them, you may not be responsible for paying it back—for example, the charge could have been filed under your name by mistake, or someone may have made a purchase using your identity. If something looks unfamiliar, file a dispute with the associated credit bureau. They may be able to have it removed from your report altogether, which will boost your score. 

2. Open Up More Lines of Credit

For some young adults, a low or average credit score isn’t due to unpaid loans or credit card bills, but the freshness of your financial independence. For example, your credit score may be lowered if you don’t have enough lines of credit open. If this area is flagged on your credit report, consider applying for a new credit card. However, check with the creditor to ensure your current score will gain their approval, as every application will place a hard inquiry on your report (and too many inquiries can lower your score).

3. Stay on Top of Your Payments

One of the biggest threats to your credit score is late payments on the money you owe. That’s why it’s important to mark your planner or set a reminder in your smartphone a few days before your monthly payment is due. If you’re worried about keeping up with multiple lines of credit, head to their respective websites to set up the auto-pay feature, which will automatically take the minimum payment out of your checking or savings account. You can still make additional payments on top of this to pay down your debt, which may further increase your score.

Once you’ve boosted your credit score and are ready to buy a new car, head to Wisconsin’s Fountain City Ford. This dealership will help you get in the driver’s seat with their reasonable financing offers. If you’re struggling to choose between models, they’ll patiently guide you through a wide selection of SUVs, trucks, and cars. To learn more about their inventory and auto repair services, visit the website. You can also call (608) 687-4131 to learn more from their helpful staff.