Helpful Credit Tips   

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Helpful Credit Tips


  • Prioritize which loans, cards, and lines of credit are the most imperative and realistic to pay off within a set amount of time and avoid closing accounts.
  • Limit credit card use. The ideal balance to credit utilization ratio is 30% or lower. 


  • Pay your bills on time; make payment before or on the expected due date. Creditors report the account to the credit bureaus when a payment is 30 or more days late.
  • Continue to establish credit history. Keep your accounts in good standing because this establishes trust with creditors and can only boost your credit score.


  • Focus on re-building your credit and keep your current accounts in good standing.
  • Keep your foreclosure isolated as a single negative item as if it were a mortgage account. This will be less damaging to your credit score. 


  • During bankruptcy, focus on re-building your credit by opening a credit card. Charge minimally and pay consistently. Open 1-3 account that will benefit your credit score.

Unforeseen Bills

  • Communicate with your medical, financial institution and creditors. There are many programs that assist consumers, customers, patients or students with high bills or mounts of debt. 

Schedule Your Credit Repair Consultation
Call us today at (877) 831-7716. Our highly trained sales specialists are standing by to answer any questions that you may have regarding credit and financing a car or visit our dealership for a one on one consultation with our credit specialist. We are excited to get you the best auto loan for the vehicle that you deserve. Drive away in your new today. We look forward to seeing you here at Gray-Daniels Lincoln, your local new and used car dealer.