Hays Automotive Discount Center Gives You Tips on How to Build or Reestablish Your Credit

Have you recently experienced a life-altering event like a divorce, repossession, bankruptcy, or foreclosure that has severely impacted your credit score? Are you experiencing rejection from used car dealers near Jeffersonville, KY because of bad credit? Trying to buy a new vehicle when you've got poor credit following you around can be very difficult and discouraging. It can make you feel like there isn't anyone out there willing to help. The team at Hays Automotive Discount Center, located at 6312 Preston Highway in Louisville, KY, is here to assist you and has a track record of helping many Shepherdsville, KY drivers build or reestablish their credit so they can start enjoying the financial freedom that comes with a higher credit score.

Seize Control of Your Financial Future

At Hays Automotive Discount Center, we want to put our Jeffersontown, KY customers on the path to an improved credit score. There are steps that you can take before you get to us that will help you build or reestablish your credit. Doing these things will ensure that you are living your life in such a way that you will be in the position to be an active participant in your financial future. It will also help you communicate your situation to the team at our dealership, so we know how to best assist you Some of these steps include:

  • Know what's on your credit report-Knowing what tradelines are on your credit report will give you an idea of everything that could be dragging down your score. It will also let you know if there is any old or inaccurate reporting impacting you so you can file a dispute to get it removed.
  • Make your payments on time-Rebuilding your credit won't happen overnight, but it can be quicker than you think if you continue to make on-time payments. Even as little as three on-time payments in a row can give you a nice boost in your credit score.
  • Keep your credit types varied-Your credit score can be dragged down if you have too many of one type of credit on your report. Make sure that you have a mixture of credit cards and loans. Also, be sure to keep your credit card usage to no more than 20% of the limit.

How Can Hays Automotive Discount Center Help?

An auto loan can be one of the best, and quickest, ways to reestablish your credit. The finance professionals at our dealership have many years of experience in the auto finance industry and know the ins and outs of working with folks with poor credit. Middletown, KY drivers with bad credit will have the peace of mind knowing that they are getting assistance from people who understand how to work with individuals who are looking to build or rebuild their credit.

Whether you have a low FICO score, or no credit score at all, our finance experts have a wealth of resources at their disposal to make a car loan approval possible. We work with a vast network of banks and credit unions to get you approved for an auto loan that works for your budget. The finance team will examine your credit application and use your profile to match you with the lending partner that best suits you. Once you start making your payments on time, it will get reported to the credit bureaus and you will eventually be able to reap the benefits of a higher credit score.

Every Journey Starts with the First Step

Hays Automotive Discount Center, in Louisville, KY, is here to give you the assistance you need in boosting your credit score and to get you that much-needed new vehicle. Explore all the used car, truck, and SUV options we have on our lot. Once you've found the perfect fit, fill out our online credit application and a member of the finance center will reach out to you to discuss all the potential financing solutions we have to offer you.


Hays Automotive Discount Center

6312 Preston Hwy
Directions Louisville, KY 40219

  • Sales: (502) 961-8421
  1. Hays Automotive Discount Center

    6312 Preston Hwy
    Louisville, KY 40219

    • Sales: (502) 961-8421
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