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“Dave came highly recommended to me by a friend who had used his services a few times. I'm very glad I got his number! Right from the very beginning I felt Dave was honest and upfront, gave me his expert opinion and also allowed me to make my own decisions. I definitely felt in "partnership" with Dave throughout the whole process, which in actual fact wasn't that long; he managed to find a buyer at the price I wanted pretty quickly. I would definitely recommend Dave and I won't hesitate to contact him when I'm ready to start looking for a new car.”

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What makes up your credit score?

Hopefully this will help lift the mysterious cloud that hovers over the number that is your credit score.  Now remember, there are 3 bureaus that are used and all have different scores, so ask which one the dealer will be using, it is usually Experian and guess what, they have a web site.  Here is a general rule of thumb when it comes to credit scoring:

Payment History 35% (are you on time?)

Amounts Owed 30% (Debt to available credit less that 30% is best)

Length of Credit History 15% (Keep those long standing accounts open, just don’t use them!)

New Credit 10% (Avoid applying for new credit if you are wanting a major new loan)

Types of Credit Used 10% (Showing that you can manage your various accounts)

If you are looking to improve your score it is easy to see where your efforts will make the biggest difference, good luck!

(Source: Fair Isaac Corporation)