Everyone struggles with credit and if you want to make a big purchase like a car or a house you’re going to have to keep a close eye on it.

It can take up to three years to get a credit score back up to the 700’s. But smart now with leaving a low balance on any of the credit cards you may have.

Pay off your current debt than move it around. Also don’t close any unused credit cards to raise your credit score that could be a short term strategy for some people.

Select to go for a used car down payment in Philadelphia

Instead you can get a used car and put a decent down payment on the car in Philadelphia and pay the auto loan down each month. That is a fair way to boost your credit while being able to own a car at the same time.

Don’t open up a credit or multiple credit cards your not going to use to just have available lines of credit.

Instead compare car loan rates in Philadelphia and look at your used car lot options in Philadelphia too.

Best down payment options in Philadelphia

Best thing you can do is put a down payment on a used car in Philadelphia. I’m talking maybe $350 to $500 down for the used car. It will help with the auto lenders at the used car lot in Philly and lower the monthly payment.

$99 down for a used car in Philadelphia is okay too if the used car lot is allowing it but should be a last option kind of a thing.

If your looking for a used car strategy in Philadelphia we can connect you with the best used car lot near your zip code right now.