If you're buying a car for the first time, it can be easy to feel overwhelmed. Some steps in the process just don't seem intuitive to the new buyer, and things can get confusing. Like, for instance, you probably know that your credit score is going to impact the type of loan that you get, but do you know how to figure out what your credit score is?

Make an Inquiry

It's important to learn how to determine your credit score on your own ahead of time because the responsible buyer will shop around for loans. Loans can come from different financial institutions like banks and credit unions, or just from car dealerships themselves. Knowing your own credit score will help you negotiate and find the best possible loan.
There are essentially four potential ways to discover your credit score. The first is by checking your statement or calling into your credit card or loan company. Many companies now provide a complimentary credit score on a monthly basis. If that's not an option for you, there are non-profit counselors available who can both get you a free credit score and help you understand its implications. Free credit scores might also be found online through various institutions-though you should beware of those with small print who will end up charging you in the end.
The fourth and most "official" way to see the credit score that lenders would see is to buy your score from a place like FICO, the most commonly used credit reporting company.

No matter how you view your credit score, it's important to understand how it's going to affect the loan you'll be applying for. Several things can affect your score, including how often you check your own credit score, so keep that in mind as you investigate your financial situation.
To learn more about credit scores, call Harvey's GM. We're here to help all first-time buyers and veteran car shoppers alike in any way we can. 


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