If you're embarrassed about your credit or worried that your score is too low to get financed, don't be. Here at Roc E-Z Auto, it's our goal to get you behind the wheel of a car you love. That's why we finance 98% of all applicants, regardless of their credit history or current credit situation; we believe everyone deserves a second chance. We have great working relationships with many of the banks and lenders in our area to ensure you get approved. And for even more savings on a new-to-you vehicle, check out our specials!

Improving Your Credit Score

While it can take time to correct a low credit score, there are steps you can take to increase your score:


Check Your Report for Errors

You should regularly check your credit report from all three credit bureaus for any wrong information. By contacting the agency, you can dispute any inaccuracies.


Pay Down Your Debt

Instead of moving debt around, a good idea is to work on paying it off and keep your balances low. Credit utilization, the balance of your debt to available credit, contributes 30% to your FICO score's calculation, according to myFICO.com.


Make On-Time Payments

Payments on time are incredibly important, as delinquent payments and collections can have a significant impact on your scores. To make your life easier without having to constantly remember payment due dates, try enrolling in automatic payments.

To learn more about our financing process, or if you have any questions, feel free to contact us or visit us at 5018 W Ridge Rd, Spencerport, NY 14559. We look forward to helping our customers from Rochester, Greece, Hilton, Churchville and Clarkson.