The purpose of getting approved auto loans is to establish your auto credit but your credit scores could still drop during one if you are a victim of identity theft

What we know

If you're hoping to raise your FICO scores with a bad credit auto loan your hard work might not pay off. This is because your improving credit scores could make you a target for identity thieves.

We know because for nearly two decades we've been involved with bad credit auto sales here at Auto Credit Express.

Bad credit car buyers have a choice – applying for terrible credit auto loans at a traditional dealer or taking out a tote the note loan. Our web site helps explain this as well as other issues including today's topic, identity theft.

Identity theft

One of the quickest ways to exit the highway to better credit is by having your identity stolen. And even though this is less of a threat to consumers with bad credit, it's still possible that someone could be making your credit profile look worse even as you're trying to make it better. Here are some tips from the STOP.THINK.CONNECT campaign to follow this holiday season:

•    Keep security software current. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Smartphones, gaming systems, and other web-enabled devices also need protection from viruses and malware
•    Ask for protection beyond passwords. Many account providers now offer additional ways for you verify who you are before you conduct business on that site. And, combine capital and lowercase letters with numbers and symbols to create a more secure password
•    Only provide the minimal amount of information needed to complete a transaction. When providing personal information for any purchase or other reason, ensure that you know who is asking for the information, and why they need it
•    When in doubt, throw it out. Links in email, tweets, posts, and online advertising are often the way cybercriminals compromise your computer. If it looks suspicious, even if you know the source, it's best to delete or, if appropriate, mark as junk email
•    When banking and shopping, check to be sure the websites you visit are security enabled. Look for web addresses with "https://" or "shttp://", which means the site takes extra measures to help secure your information. "Http://" is not secure
•    Research online retailers before a first time purchase from a merchant (or auction seller) new to you. Be wary of communications that implore you to act immediately, offers something that sounds too good to be true, or asks for personal information

And finally, be mindful of holiday shopping efforts to lure you. Cyber crooks will adjust to the holiday season, trying to get you to click through to deals that may appear too good to be true. They may also try to trick you by sending emails that something has gone wrong with an online purchase.

The Bottom Line

Helping you establish your auto credit is our highest priority. It also means that we want you to avoid any detours on the road to better credit.

This is also why Auto Credit Express is here to help you find a dealer for your best chance for approved auto loans.

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