Credit FAQ

Open Today! Sales: 8:30am-8pm

Call us at: ​844-412-6786

Understanding Your Credit – FAQs

 

Credit is essential for borrowing money. Your creditworthiness is rated by the three credit reporting agencies and FICO. The scores represent the likelihood that a person will repay their loans, and it’s determined by a person’s borrowing history and other variables. Below are answers to frequently asked questions about credit, credit reports and credit scores. If you have additional questions, don’t hesitate to contact our Finance Department.

I have bad credit, what should I do?

If you have less than perfect credit, don’t fret; you’re not alone. Millions suffer from bad credit because of a variety of reasons. To improve your credit, start by getting reports from all three reporting agencies. This will shed light on what exactly is impairing your credit. Credit reports may contain inaccuracies that you can correct to help get your credit back on track. Paying down high balances and paying on time will go a long way to improving your credit.

What is a credit score?

A credit score represents your creditworthiness and it’s used by lenders to gauge whether a person will make payments on time. Scores are largely based on your borrowing history. The most common type of credit score available to consumers is the FICO score, which ranges from 300–850. The higher the credit score, the more likely you’ll be able to obtain credit and/or secure a lower interest rate.

What is a good credit score?

Credit scores range between 300 and 850. Typically, a good credit score is above 700.

What is a bad credit score?

The average credit score is 680. Anything below 620 is considered a poor score, or “sub-prime.”

How do I maintain a good credit score?

For those who already have a good credit score, rest assured that it’s much easier to maintain a good score than to improve a poor one. Good credit can be maintained by adhering to healthy financial habits, such as making payments on time and shopping on credit only when it’s absolutely necessary. Avoid making dramatic credit changes and don’t close old accounts.

Dealer Info

Phone Numbers:Sales Hours:
  • Mon - Sat8:30 AM - 8:00 PM
  • Sun10:00 AM - 7:00 PM
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 5:00 PM
  • SunClosed
Parts Hours:
  • Mon - Wed7:30 AM - 6:00 PM
  • Thu8:00 AM - 6:00 PM
  • Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 5:00 PM
  • SunClosed
Disclaimer:

* All vehicles are one of each. All Pre-Owned or certified vehicles are used. A negotiable documentary service fee of up to $150 may be added to the sale price or capitalized cost. All financing is subject to credit approval. Prices exclude tax, title, and license. Please consider verifying any information in question with a dealership sales representative. MSRP is Manufacturer’s Suggested Retail Price, it is not our sale price, The Net MSRP after rebates is not an advertised price and both are used for comparison purposes only. The offering price of this vehicle is conditioned on a negotiated waiver of implied warranties if the Buyers Guide on the vehicle is AS IS-NO DEALER WARRANTY. If the Buyers Guide on the vehicle is IMPLIED WARRANTIES ONLY, the offer includes implied warranties of merchantability. Call Dealer to determine form of Buyers Guide on the vehicle. Washington residents only. MPG is based on EPA estimates for newly manufactured vehicles only. Actual rating will vary with driving conditions, habits, and vehicle condition.. All sale prices expire at 11:59pm on October 21st, 2019.

* MSRP excludes destination, taxes, title and registration fees. Starting at price refers to the base model, optional equipment not included. Pricing and offers may change at any time without notification. To get full pricing details, see your dealer.

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​844-412-6786

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16413 W Main St • Monroe, WA 98272

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Today's Hours:

Open Today! Sales: 10am-7pm

Service: Closed

Parts: Closed

Rairdon's Chrysler Dodge Jeep Ram of Monroe

16413 W Main St Monroe, WA

Phone: ​844-412-6786

http://maps.google.com/?q=16413%20W%20Main%20St%2C%20Monroe%2C%20WA%2098272

Parts

Phone: ​844-284-7256

16413 W Main St Monroe, WA

Mobile Parts

Phone: ​844-718-4638

16413 W Main St Monroe, WA

Sales

Phone: ​844-412-6786

16413 W Main St Monroe, WA

Mobile Sales

Phone: ​844-701-7245

16413 W Main St Monroe, WA

Service

Phone: ​844-423-2066

16413 W Main St Monroe, WA

Mobile Service

Phone: ​844-725-2272

16413 W Main St Monroe, WA
47.849653 -122.010786
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Rairdon's Chrysler Dodge Jeep Ram of Monroe
Rairdon's Chrysler Dodge Jeep Ram of Monroe
16413 W Main St
Monroe, WA, 98272 US
​844-412-6786
http://www.dodgechryslerjeepofmonroe.com/wp-content/themes/DealerInspireDealerTheme/images/logo.png
Rairdon's Chrysler Dodge Jeep Ram of Monroe 47.849653, -122.010786.