How to Improve Your Credit Score with Citton Cars: A First-Time Car Buyer’s Guide
Dec 2025
Buying your first car is a big step, and your credit score plays a crucial role in securing the best finance deal. At Citton Cars, we want to help you succeed. Here’s a practical plan to boost your credit score and get you ready for your first vehicle purchase.
Why Your Credit Score Matters
A good credit score means:
- More finance options
- Lower interest rates
- Faster approval
Step-by-Step Plan to Improve Your Credit Score
1. Check Your Credit Report
- Request your credit report from all major bureaus.
- Review for errors or outdated information.
- Dispute any inaccuracies.
2. Pay All Bills on Time
- Set up reminders or direct debits to avoid missed payments.
- Consistent, timely payments are key to a healthy score.
3. Reduce Outstanding Debt
- Focus on paying down credit cards and loans.
- Aim to keep your credit utilisation below 30% of your available limit.
4. Avoid Multiple Credit Applications
- Only apply for credit when necessary.
- Space out applications to prevent temporary drops in your score.
5. Register on the Electoral Roll
- Being registered at your current address helps lenders verify your identity.
6. Build a Positive Credit History
- If you’re new to credit, consider a starter credit card or a small loan.
- Use it responsibly and pay it off in full each month.
7. Keep Old Accounts Open
- Older accounts show a longer credit history, which benefits your score.
Citton Cars Tips for First-Time Buyers
- Pre-Approval Service: Use Citton Cars’ pre-approval checks to understand your finance options before you shop.
- Personalised Guidance: Our finance team can help you create a plan to improve your score and find the best car for your budget.
- Flexible Lenders: We work with lenders who specialise in helping first-time buyers and those with limited credit history.
Frequently Asked Questions About Car Financing
Yes, Citton Cars partners with lenders who consider applicants with limited or no credit history. Building your score can help you access better deals.
You may see improvements in a few months, but significant changes can take longer.
No, checking your own score is a ‘soft search’ and does not impact your rating.
You’ll typically need proof of income, identification, and address. Our team will guide you through the process.
Absolutely! Our specialists are here to answer your questions and support you every step of the way.
First-Time Car Buyer’s Checklist
Credit Score & Finance Preparation
- Check your credit report with all major bureaus for errors or outdated information.
- Dispute any inaccuracies you find on your credit report.
- Pay all bills and accounts on time (set up reminders or direct debits).
- Reduce outstanding debts, especially on credit cards.
- Keep your credit utilisation below 30% of your available limit.
- Avoid multiple credit applications in a short period.
- Register on the electoral roll at your current address.
- Keep older credit accounts open to show a longer credit history.
- Consider a starter credit card or small loan if you have no credit history, and use it responsibly.
Preparing for Your Car Purchase
- Set a realistic budget for your car, including insurance, maintenance, and running costs.
- Save for a deposit—a larger deposit can improve your finance options.
- Gather required documents: proof of income, identification, and proof of address.
- Use Citton Cars’ pre-approval service to check your finance eligibility.
- Research vehicles that fit your needs and budget.
- Book a test drive for your shortlisted vehicles.
- Ask Citton Cars’ finance team for personalised advice if you have questions or concerns.
Looking for an affordable hatchback? Browse our inventory online.
