You’re heading to work in the morning. You’ve grabbed your lunch, kissed your significant other, hugged your kids, and marched confidently to the car. You put the keys in the ignition, turn them and…nothing. This is, perhaps, the worst feeling: helplessness. You pointlessly try again and again to no avail. This should be no surprise. You’ve known you needed a new car. There’s only one problem. Your credit is not good.
The concept of our credit rating is intimidating. All of us are boiled down to a number. Our name means nothing. All of our accomplishments are for naught. All that matters is that number. Years old mistakes, medical bills, divorce, and identity theft can all trash your credit rating leaving you with little to no options when it comes to getting a car. So what can you do?