Having a good credit score can be the difference between thousands of dollars in interest payments when buying a new car. Unfortunately, it doesn't take much to end up with a bad score. On the bright side, recovering from a bad score isn't impossible. Check out some credit-building resources, and then head down to Amesbury Chevy to see about getting behind the wheel of a new car. 
Credit Reports

The first step to improving your credit score is knowing where you stand. Everyone is entitled to a free credit report from Equifax, Experian, and TransUnion, the three major credit bureaus. One can request copies through Federal Trade Commission-sponsored AnnualCreditReport.com, or by calling 1-877-322-8228.

Each credit report will have a credit score, which will allow you to take the next step to rebuilding your credit. 
Credit Score

Your credit score is what lenders look at to determine whether you qualify for a loan. It basically serves as a risk indicator. A low score will mean a higher risk, which leads to a higher interest rate. Likewise, a high score will mean the exact opposite.

The next step in improving your credit score is understanding what goes into it. There are five factors that make up your score: payment history, amounts owed, length of history, types of credit in use, and new credit. Payment history and amounts owed make up 65 percent of your score, while the length of your credit history comes in at 10 percent. Start by focusing on improving those three factors. 
Build Credit

Now that you know and understand how to improve your score, the real work begins. There are plenty of available credit-building resources. Some are scams, some cost money, but others are free.

Credit Karma is one of the most well-known credit-building resources around, and it really is free. You get your reports, they make recommendations to help save money and improve your score, and then the bank or lender pays them.

Make sure to do a background check on any company offering free credit scores. The last thing anyone wants is to be scammed and have their credit score sink even lower.