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How Credit Works - Winners Circle Autos
Winners Circle Auto Center has been successfully using the "Patented Credit Approval" Program for several years because it allows everyone the opportunity to finance a vehicle regardless of credit history. And it is a unique program because it also allows customers to re-establish or establish their credit by making on-time payments for the duration of the loan. Winners Circle Auto Center makes it easy by offering automatic withdrawal right from your checking account to ensure timely payments and better credit scores. Our goal here at Winners Circle Auto Center is not to only get you a reliable vehicle, but help build your Life, Credit, and your Financial Future.

What is credit?
Credit is a promise to buy now and pay later. Your credit history is your reputation for paying debts in a timely manner.

What is a credit report?
A credit report is a record of all of your credit worthiness regarding your debt obligations. There are three major Credit Bureaus that report your credit history to lenders.
  • Equifax
  • Experian
  • TransUnion
Will buying a car from Winners Circle Auto Center improve my credit?
Yes. Our program reports your payments to all three Credit Bureaus and on-time reported payments increase your credit score.

What is a credit score?
A credit score is generated based on your credit report. Lenders use this number to determine if you are approved for a loan or not.

Does Winners Circle Auto Center use my credit score?
No. Our program looks at the history of your credit past and not the score.

What lowers a credit score?
Events such as bankruptcy and repossession can lower your credit score.
Missing payments or late payments can also lower your score.

What raises a credit score?
Paying your debts on time will raise your credit score. The "Patented Credit Approval" Program is a great tool to get into a terrific vehicle and also use the opportunity to make your payments on time, every time, to increase your credit score.

Winners Circle Auto Center makes it easy to make your payments on time - every time. You can make payments by:
  • Using the coupon book provided to you.
  • Using Western Union
  • Using an automatic debiting system.

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