Your scores
Auto lenders sort borrowers into tiers. A lower tier means a higher rate on the exact same car, which adds up over a 60 or 72 month loan.
Get approved for the car without the high payment.
Your credit decides more than whether a lender says yes to a car loan. It sets your interest rate, your down payment, and whether you need a co-signer. Tailor Your Credit gets your report ready before you shop, so the payment matches the car and not the score.
Start My PlanWhat auto lenders look at on your credit report
Auto lenders price your loan by risk. The same car can cost very different amounts depending on what your report shows.
Past auto loans and repossessions
A past repossession or late car payments weigh heavily on an auto application, because they show how you handled the same kind of loan.
Payment history
Payment history is about 35% of a FICO score. Recent late payments hurt more than old ones.
Credit card balances
High balances compared to your limits lower your scores. Bringing cards under 30%, ideally under 10%, before you shop helps.
Too many applications
Shopping the same loan in a short window is usually treated as one inquiry by the scoring models, but scattered applications over months add up.
How Angelo gets you ready for the dealership
Planning to buy a home too?
Get the mortgage first. A new car payment and a hard inquiry right before a mortgage application can work against you.
- 1
See what the lender will see
Your free call comes with a written audit, including what a low score costs you on a car compared to a better one.
- 2
Fix what raises your rate
Inaccurate, outdated, and unverifiable items get challenged, and you get a plan for balances and timing before you apply.
- 3
Shop when you are ready
You walk in knowing where you stand, instead of letting the dealership pull your credit to find out.
A new car in 3 months, and a mortgage next.
Another company wanted $4,000 just to get started. She booked a free consultation with Angelo instead and was approved for a new car within three months. Her next goal is a home.
Every credit file is different, and results vary.
Common questions
Often, but usually at a much higher rate and sometimes with a bigger down payment or a co-signer. Getting your report ready first can mean a lower payment on the same car.
Most clients see their first changes within 30 to 90 days. Angelo looks at your report on the free call and gives you a realistic timeline for your file.
Rate shopping for the same auto loan within a short window is usually counted as a single inquiry by the scoring models. Applying for different credit over several months is what adds up.
If a repossession is reported inaccurately or can't be verified, it can be challenged. Accurate negative items stay on the report, and Angelo builds the plan around them.
No. No one can legally guarantee a credit outcome or an approval. You get a thorough review of your report, honest pricing, and a plan built around your goal.
Find out what your credit is costing you on a car.
One free call. Angelo reads your report, walks you through it, and tells you the plan and the program that fit your goal, with every price up front.
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