Improving My Credit Score

How can I fix my bad credit? 

Fixing bad credit takes time. It’s important to demonstrate your ability to manage your finances and make on-time payments before you can expect your FICO score to increase. Paying your bills on time is one of the most important things you can do to rebuild your credit. Additionally, develop a plan to pay down your debts so that you have not maxed the available credit available to you. Note that prior bankruptcies will remain on your credit bureau, but their negative impact will diminish with time. To repair your credit, focus on the future and make steady payments to your creditors. At LEAP, we work hard to put you in a vehicle that fits your monthly budget. By doing this, our customers are more likely to pay on time and thereby improve their credit.

Can I see my credit report? 

Yes. It is important to understand the information in your credit report and make sure that it is accurate. You are entitled to one free copy of your credit report each year from each of the three credit reporting agencies. For more information, contact the Annual Credit Report Request Service at:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
1.877.FACT.ACT (1.877.322.8228)
www.annualcreditreport.com