Before applying for poor credit car loans you should check out what one credit counseling organization has to say

What we know

In many cases making just a couple of changes can result in big differences when you apply for terrible credit auto loans.

We have seen the results because we've been involved with bad credit auto sales for close to two decades here at Auto Credit Express.

Our web site also details the bad credit car loan process so buyers can buy and pay here dealers while studying the issues that can lead to repossession.

In addition, we frequently pass on the advice from others familiar with bad credit such as the following from GreenPath Debt Solutions:

Check your credit report before auto shopping

A good credit score and "debt to credit ratio" can save you money and help you obtain better interest rates.

According to GreenPath credit counselor Dorothy Guzek, it's important to know that there are two very different pre-qualifications for obtaining a favorable interest rate on an auto loan. "One is to have a good credit score," said Guzek. "The second is to have a favorable 'debt to credit ratio.' Both of these components are equally important."

How long before making an auto purchase should buyers start getting their credit in order?

Everyone should look at their credit report at least once a year.  You can get a free copy of your credit report at, but you do have to pay for a score. Guzek recommends paying for the score and suggests pulling the report at least six months before you start auto shopping.  "This will allow you ample time to correct any incorrect information that you might find."

How high should auto buyers aim to get their credit score before buying a car?

Currently there are three major credit bureaus, Equifax, TransUnion and Experian, and each has a slightly different scoring system.  As a rule of thumb, a grade A score is between 680 and 719. "Credit scores are like your high school report cards. There was nothing wrong with a B or a B+, even though an A+ score may bring you a better interest rate," said Guzek. "The bottom line is to make sure you work towards getting the best score possible under your current circumstances."

Why shouldn't consumers open or close credit cards before purchasing a car?

Guzek explains that if you close a card without a balance, you are raising your debt to credit limit ratio, which lowers your credit score. If you close your oldest card, your length of credit history becomes shorter and this lowers your score. If you open up new cards, it signals to the lender that you may need credit cards to pay your existing bills and this, in turn, lowers your score.

The Bottom Line

This advice applies to all buyers, but it should be especially helpful those credit-challenged individuals applying for bad credit auto loans.

Finally, you should know that at Auto Credit Express we help people with bad auto credit find a dealer for their best chance at getting approved auto loans.

So if you're serious about getting your car credit back on track, you can begin the process right now by filling out our online auto loans application.