From the tough, sturdy Subaru Crosstrek to the sleek and stylish Subaru WRX in Chester County, everyone has a car that they wish they could give themselves to start the new year off right. But if you have bad credit, you might find it more difficult to finance your new ride. Taking some time to improve your credit score before you apply for a loan can help you unlock lower interest rates and more vehicle choices. Use these tips to boost your credit before you drive off the lot in your new car!

     Make a bill schedule. The best way to raise your credit score is to build a solid history of on-time credit card and loan payments. But if you have multiple cards and due dates to balance, you might accidentally end up lowering your score by missing a payment. Make a bill schedule that list out when each of your bills are due and put it somewhere you'll see it every day.

     Carry cash. "Credit utilization" is a term that refers to how much money you put on your credit cards each month. If you put a lot of money on your cards monthly, your score will drop. Carrying cash around with you during the day can help you keep your utilization low and raise your score over time.

     Don't close old cards. If you've had problems managing your credit in the past, you might think that you can raise your score by closing cards as you pay them off. However, this strategy automatically lowers your score because it raises your utilization. Leave credit cards open but avoid using them to keep your score higher.

Do you need help financing your new vehicle? Piazza Subaru doesn't only provide a wide range of new and preowned vehicles-we also offer financing assistance to get you the new car or certified preowned in Pottstown you need to stay safe this winter. If you'd like to learn more about financial assistance or browse our current selection of vehicles, pay us a visit online