A Family Buying a New Car at a Dealership Cardoza Law CorporationYou’ve had your eye on a new car for months. You’ve saved money, worked payments into your monthly budget, and are ready to hit the dealerships. Before you take your first test drive, however, you should press the pause button and take a look at your credit reports. You may think you have a clean credit report and a good credit score, but if you have been a victim of identity theft or a careless error by a creditor, your credit report may not be what you think it is. Some experts believe that as many as 1 in 5 credit reports contain a serious error that could affect that person’s credit score and, by extension, their ability to get a good deal on a new car loan.

How Your Credit Score Impacts a Car Loan

People with high credit scores (say 750 and above) get all kinds of advantages—better interest rates, easy approval for valuable credit cards, pre-approval on mortgage loans, and more. When it comes to buying a new car, good credit can get you exceptional deals, like 0% financing, no money down, and even discounts on the purchase price of the car. When you have poor credit, however, you’ll be lucky to get approved for a loan at all, and, if you do, it is likely to be a high-interest loan.

Fix Your Report Before it Ruins Your Dreams of a New Car

Unfortunately, a lender doesn’t care if your credit score is low because of an error on your report. It is entirely up to you to check your report, identify errors, and take steps to correct the errors before you apply for the new car loan. Lucky for you, the Cardoza Law Corporation does care that your credit report is wrong. In fact, we care so much that we will document the errors, gather the evidence, and write the letters needed to correct the errors and get you back on the path to good credit—all at NO COST to you.

You Have Nothing to Lose

If you have checked your credit reports from Equifax, Experian, and TransUnion before shopping for a new car and you have found significant errors, don’t waste any more time. Get in touch with us. We’ll help you get your reports fixed as quickly as possible so you can get the good deal on a new car you deserve. Fill out our contact form or call us today!


Michael F. Cardoza, Esq.
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U.S. Marine & Consumer Financial Protection Attorney helping victims of ID theft and Credit Reporting errors.