Do NOT go to the car lot and buy a car with your tax money ESPECIALLY with bad credit!


Here’s why. If your credit is challenged, they will run your credit 50 times to see who will buy your debt. Inquiries lower your score 5-7 points every time your credit is ran. When the results come back, the dealership will pick the one that makes them the most money usually the highest interest. Higher interest means higher payment. Why do dealerships approve you with bad credit? So they can repossess your car back the next year if you can no longer afford the payments. Then they put it back on the lot and sell it again. It’s easy money for them! Rinse and repeat! ?

Instead, focus on increasing your credit score. By deleting inaccurate and/or unverifiable information, lowering balances, and maybe adding good tradelines, you can walk into a dealership and negotiate on YOUR terms. Credible Concepts has helped clients get APPROVED with no down payment and keeping that tax refund in their back pocket.

If you are interested in affordable credit management and restoration, allow Credible Concepts to assist you.  We have one of the best programs available simply because you only pay for results! Shoot us an email at or give us a call at 1-888-610-5366 today!