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Your credit report influences your ability to obtain purchases on credit as well as your ability to rent an apartment, purchase a home, secure a job or buy insurance.

Although credit problems are common, few people understand how their credit history is collected and reported.

Auto One wants you understand your credit, credit reports and credit scores. we'll show you how and why a good credit rating can "change your life." Included in on this page is information on how to fix mistakes in your credit report and steps you can take to improve your credit score. Reading this site is your first step towards getting "The Credit You Deserve."

if your credit history needs help, I hope you will utilize the information contained in this web site to your benefit. Auto One truly wants to help play a part in helping you "change your credit & change your life"


Gary R. Jacobsen, Pres.
Auto One Inc.

Your Credit History

Before creditors will extend you credit, they want some confidence you will be able to repay them. To determine whether they should extend you credit, creditors consider factors such as your income, how long you have lived in the same place and have held same job, what you own, how much you owe to other creditors, how much credit cards you have, whether you have ever had a legal judgment against you and whether you pay your bills on time.

Your Credit Score

The information in your credit history is used to create your credit score, a three digit number that shows how likely you are to pay you debts, based on statistics of how millions of other people pay their debts. The higher you score, the more likely you are to be a good credit risk for a creditor. Credit scores usually range from the 300's to about 850. Usually you need a score at least in the low 600's to get a mortgage. Most companies charge lower interest rates to people with higher scores.

If your credit history is bad and your score is low because of too much spending and poor bill-paying habits, don't despair. With a little time and a bit more discipline, you can improve your credit profile. Credit scores change with each piece of information they receive about you. Because the scoring system gives extra weight to the most recent activity, the positive steps you take today may make a quick improvement in you score.

Where to find your Credit Information

Pull your credit once a year for free at www.annualcreditreport.com

You can also request your credit report and credit score from these agencies by mail, phone or e-mail for small fee.

Equifax Information Services, LLC
P.O. Box 740241
Atlanta, GA 30374-241
(800) 888-4213

TransUnion, LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800) 888-4213

National Consumer Assistance Center
P.O. Box 2104
Allen,TX 75013
(888) 397-3742

Here are some suggestions:
  1. If you owe a lot on your credit cards, stop using the cards and make at least the minimum payment every month.
  2. Don't ignore your debt obligations. If you are experiencing problems paying your bills, contact your creditors immediately and try to work out a payment plan.
  3. Pay all your bills on time. Late payments will cause you to lose points
  4. Have current source of credit, use it and start making regular on-time payments.
  5. Do not apply more for credit than you need. Applications will show up on your credit report and may cause potential creditors to think you are about to take on more debt. If your credit report is ran in excess it can adversely affect your score.