How To Build Your Credit Score In 3 Easy Steps

When you first start building your credit score it can be hard to know where to start and even harder to get people to trust you with a zero credit rating. While it may feel like you’re being punished before you’ve committed a crime, don’t worry. You can begin building towards a great credit score and not to mention finance a vehicle even if it may seem impossible.

Creditors and lenders use your credit history to establish whether or not you’re trustworthy. If you hope to take out a loan in the future, or buy a house, you need to establish a good credit rating early on and nurture that relationship over the years. We have a few tips to help you build up your credit.

1) Check out your credit score

I know you think you have a zero credit rating, but are you sure? Make sure you have a clean slate before you begin to move forward. Sometimes things you would not expect can show up on a credit report such as an unpaid library fine and a forgetten medical bill etc. Doing a credit report check will help you know exactly where you stand so when you have a discussion with lenders, they won’t blindside you! It will also give you the opportunity to pay off any of the sneaky debts you may have accumulated.

2) Apply for an auto loan and/or credit card.

You are more than capable of securing an auto loan with zero credit. It you are new to the country you start with a blank slate and creditors will often give you a chance, merely at a higher rate. While the rate may be higher than if you had already esablished an impeccable credit score, with the right team working for you, you can find yourself an affordable payment plan that works with your budget and still find a high quality vehicle.

If you are not in the market for a vehicle, credit cards are also a great way to establish trust with creditors. Talk to your local financial institution about what card may work for you. If you are in the position, you could get both. It you’re looking for a card and are able to secure a low-limit credit card, go for it! Taking loans and paying them back is how you establish credit.

3) Make your payments in full and on time

When you enter into a loan agreement, make sure that you are signing up for affordable payments. When you take out a loan, you are expected to make timely payments and if you fail to do so your credit score will fall. No if’s and’s or but’s. When discussing your financing options with the financial services department, make sure you are open and honest about what you can afford and don’t feel pressured to commit to something that is out of reach. If you feel the agent is pushing you, move on to work with someone more trustworthy.

If you have gone the credit card route, make small payments on your card that you are able to pay in full. It is not enough to pay the minimum payments so be aware of your spending and know that the creditors are watching!

While it may seem overwhelming, especially if you’ve been turned down, to get your first loan and build your credit score with zero credit, it is possible! An auto loan is a great way to start building towards a great future credit rating if you are in the financial position to do so. Everyone needs reliable transportation regardless of credit ratings. Working with a reputable lender and team of financial professionals like the staff at Frank Myers Auto Maxx in Winston-Salem is a great way to work towards your financial future.

Ready For Fall At Frank Myers Auto Maxx

fall in Winston Salem, NCSo who’s ready for a trip to the beach? How about a glass of ice-cold lemonade? Perhaps another cook out? Not so much, eh? As much as we love the outdoor activities and flavors of summer, when fall swings around they just don’t appeal to us as much. Maybe it’s the cooler weather. Or maybe people just like what’s in season at the grocery store. (I don’t know, I just love food!)

Now don’t think that just because summer’s over that the fun is too—fall happens to be one of my favorite seasons. This time of year usually brings different flavors, many of which are steeped in traditions that go back to the founding of our country. I’m gonna go ahead and give you some of my favorite recipes so you can get in the spirit of September. Pumpkins, Apples, Cranberries, Oh-My!



Downeast Maine Pumpkin Bread

1 (15 ounce) can pumpkin puree
4 eggs
1 cup vegetable oil
2/3 cup water
3 cups white sugar
3 1/2 cups all-purpose flour
2 teaspoons baking soda
1 1/2 teaspoons salt
1 teaspoon ground cinnamon
1 teaspoon ground nutmeg
1/2 teaspoon ground cloves
1/4 teaspoon ground ginger

1. Preheat oven to 350 degrees F (175 degrees C). Grease and flour three 7×3 inch loaf pans.
2. In a large bowl, mix together pumpkin puree, eggs, oil, water and sugar until well blended. In a separate bowl, whisk together the flour, baking soda, salt, cinnamon, nutmeg, cloves and ginger. Stir the dry ingredients into the pumpkin mixture until just blended. Pour into the prepared pans.
3. Bake for about 50 minutes in the preheated oven. Loaves are done when toothpick inserted in center comes out clean.

Double Layer Pumpkin Cheesecake

2 (8 ounce) packages cream cheese, softened
1/2 cup white sugar
1/2 teaspoon vanilla extract
2 eggs
1 (9 inch) prepared graham cracker crust
1/2 cup pumpkin puree
1/2 teaspoon ground cinnamon
1 pinch ground cloves
1 pinch ground nutmeg
1/2 cup frozen whipped topping, thawed

1. Preheat oven to 325 degrees F (165 degrees C).
2. In a large bowl, combine cream cheese, sugar and vanilla. Beat until smooth. Blend in eggs one at a time. Remove 1 cup of batter and spread into bottom of crust; set aside.
3. Add pumpkin, cinnamon, cloves and nutmeg to the remaining batter and stir gently until well blended. Carefully spread over the batter in the crust.
4. Bake in preheated oven for 35 to 40 minutes, or until center is almost set. Allow to cool, refrigerate for 3 hours or overnight. Cover with whipped topping before serving.


Country Apple Dumplings

2 large Granny Smith apples, peeled and cored
2 (10 ounce) cans refrigerated crescent roll dough
1 cup butter
1 1/2 cups white sugar
1 teaspoon ground cinnamon
1 (12 fluid ounce) can or bottle Mountain Dew ™

1. Preheat the oven to 350 degrees F (175 degrees C). Grease a 9×13 inch baking dish.
2. Cut each apple into 8 wedges and set aside. Separate the crescent roll dough into triangles. Roll each apple wedge in crescent roll dough starting at the smallest end. Pinch to seal and place in the baking dish.
3. Melt butter in a small saucepan and stir in the sugar and cinnamon. Pour over the apple dumplings. Pour Mountain Dew™ over the dumplings.
4. Bake for 35 to 45 minutes in the preheated oven, or until golden brown.

Apple Pie

1 recipe pastry for a 9 inch double crust pie
1/2 cup unsalted butter
3 tablespoons all-purpose flour
1/4 cup water
1/2 cup white sugar
1/2 cup packed brown sugar
8 Granny Smith apples – peeled, cored and sliced

1. Preheat oven to 425 degrees F (220 degrees C). Melt the butter in a saucepan. Stir in flour to form a paste. Add water, white sugar and brown sugar, and bring to a boil. Reduce temperature and let simmer.
2. Place the bottom crust in your pan. Fill with apples, mounded slightly. Cover with a lattice work crust. Gently pour the sugar and butter liquid over the crust. Pour slowly so that it does not run off.
3. Bake 15 minutes in the preheated oven. Reduce the temperature to 350 degrees F (175 degrees C). Continue baking for 35 to 45 minutes, until apples are soft.


Cranberry Waldorf

1 1/2 cups chopped cranberries
1 cup chopped red apple
1 cup chopped celery
1 cup seedless green grapes, halved
1/3 cup raisins 1/4 cup chopped walnuts
2 tablespoons white sugar
1/4 teaspoon ground cinnamon
1 (8 ounce) container vanilla low-fat yogurt

1. In a medium bowl, combine cranberries, apple, celery, grapes, raisins, walnuts, sugar, cinnamon, and yogurt. (I chop cranberries in a food processor, and it works great). Toss to coat. Cover, and chill 2 hours. Stir just before serving.

Cranberry Spinach Salad

1 tablespoon butter
3/4 cup almonds, blanched and slivered
1 pound spinach, rinsed and torn into bite-size pieces
1 cup dried cranberries
2 tablespoons toasted sesame seeds
1 tablespoon poppy seeds
1/2 cup white sugar
2 teaspoons minced onion
1/4 teaspoon paprika
1/4 cup white wine vinegar
1/4 cup cider vinegar
1/2 cup vegetable oil

1. In a medium saucepan, melt butter over medium heat. Cook and stir almonds in butter until lightly toasted. Remove from heat, and let cool.
2. In a medium bowl, whisk together the sesame seeds, poppy seeds, sugar, onion, paprika, white wine vinegar, cider vinegar, and vegetable oil. Toss with spinach just before serving.
3. In a large bowl, combine the spinach with the toasted almonds and cranberries.

All recipes can be found on

I hope everyone enjoys the recipes listed here as much as I do! I’m just glad to be able to give the people what they really want: good food, good times and a nicer, newer car when they come down and see my Team and I at Frank Myers Auto Maxx. Until next time, Have a Good Fall, Y’all!

Winston Salem Used Car Dealer Tries To Scare Up Business

What’s Up? Where you been? How are you? Why haven’t you been to see me lately?

I decided I had to write and pray that you would read it because you are obviously busy doing something else. In fact, everyone around this the Triad appears to be getting ready for Halloween.

Everyone’s so tied up with Halloween that my store is starting to look like a ghost town. I’m getting really scared! Nobody’s coming in the door so I decided to do something drastic to get people down to Frank Myers Auto Maxx today!

Inspiration hit while buying Red Bull and pork rinds at the convenience store. As I reached into my pocket and pulled out a five-dollar bill to pay, a light bulb went off! I decided, right then and there, that I wanted to help anyone DRIVE FOR FIVE bucks down this month at Frank Myers Auto Maxx.

I admit this latest stunt is a bit simplistic but so what? I’m willing to do almost anything to get people in the door and the DRIVE FOR FIVE sale is just the “trick” I need to make this Halloween a “treat”!

I want to help you can drive a nicer, newer car today at Frank Myers Auto Maxx for just five bucks down! Plus, I want your old car, DEAD or ALIVE, paid for or not. It’s kooky and spooky and sure to help a lot of people stop driving a car they hate this month.

Helping people is what Frank Myers Auto Maxx is all about. We’re always doing crazy things but one thing never changes, whatever we do, our goal is always to help Winston Salem residents.

At Frank Myers Auto Maxx, we put our customers first, before everything else. We believe that everyone deserves to drive a nicer, newer car today. Our business is not selling cars. Our business is finding solutions to the everyday problems that keep most people stuck in a car they hate. We’re on a mission to change the world by helping people get the car they want and deserve.


Even if your credit is a bit terrifying and you’ve been turned down before, we’ll work hard to help you drive a nicer, newer car today at Frank Myers Auto Maxx!

Our Everybody Rides program isn’t scared of people who’ve had some trouble with their credit. My team isn’t afraid of bad credit demons. Our goal is to make the process simple and to help you get into a car you love. We work hard for you because we believe in you. It’s all part of our easy approach to doing business.


R—Rid Yourself Of Your Old Beast

I—Invest Only $5 Down

P—Pick Out A Nicer, Newer Ride & Drive Home Today!

Let me, Tracy Myers, put your old beast to rest, once and for all. We want your old car…DEAD OR ALIVE, paid for or not PLUS we want to show you how to stop driving a car you hate and start driving a car you love before the sun sets on Halloween 2012.

You can also start the quick and easy credit approval process by going to Or call 866-242-1277 and schedule a spooktacular appointment right now.


The Team at Frank Myers Auto Maxx puts you first, before everything else. I believe that everyone deserves to drive a nicer, newer car so come down today and let me help you drive away in a new ride! My business is finding solutions to the everyday problem that keep most people stuck in a car they hate. I’m on a mission to change that by helping people like you get the car they want and deserve.

Hurry in this week! The lights go out on this frightfully good deal midnight on Halloween!

See You Real Soon,
Tracy E. Myers, CMD
Owner/Frank Myers Auto Maxx

P.S. If you don’t love your nicer, newer car for any reason, bring it back and we’ll find one you do love! I personally guarantee it!

P.P..S. I’m looking for the Scariest Evil Laugh In Winston Salem. Do you have it? If so, you can win fame and fortune and an awesome iPad, just by laughing. Get ready to scream!!!!!! So before you drive away in your nicer, newer car, make sure and enter your scariest laugh. Everyone who participates will be entered into a drawing to win $250. Ha ha ha ha ha!

Uncle Frank Sez: Yes, this offer is real and there is no need to pinch yourself. Requires bank approval. Offers may not combine. Negative equity may be refinanced. We do not discriminate against zombies, werewolves, vampires, ghosts or anyone else.


Frank Myers Auto Presents: It’s Tassel Time

It’s tassel time! Graduation season is in full swing and if you are anything like me, you’ve been procrastinating on finding the perfect gift for the special grad in your life.

Sure, cash is king and truth be told, that’s what I preferred when I graduated but sometimes you just want to do something a little more personal—something that makes an impact and says, “You’ve got a great future ahead of you, kid!”

Here are a few ideas that are sure to mean something to your grad, and will impact their future in a real, tangible way for the better!

A Book Bonanza

In this virtual age of the Kindle and the tablet, many forget the pleasure of sitting down with a hardcover book. Why not put together a collection of the most important books you’ve read over your lifetime? This thoughtful gift will bring rewards that far outlast a trip to Cancun or an iTunes certificate. To take this gift up a notch, personally inscribe each copy with a quote that you’ve taken from the book. This will “wet their appetite” and serve as a reminder of how much you value them. On a side note, a great book for the grad is Uncle Frank Sez. It’s written by the owner of Frank Myers Auto Maxx, Tracy Myers, and is packed full of “life advice”.

A Hope Chest (for ladies only)

What young lady wouldn’t cherish a place to stash their school memorabilia and the memories she’s created over her lifetime? Graduation is a perfect time for a young woman to gather up her mementos and take a trip down memory lane. This gift can be passed down to future generations. Engrave the chest with an inspirational quote to make it even more personal. Make sure and take her personal style into account when choosing a chest! While a nice cherry chest may work for some, other modern ladies would love white lacquer.

College Spirit Stash

Is your high school grad leaving for college soon? Help him or her arrive prepared by putting together a collection of goodies for his or her new alma mater. You can include everything from clothes to decorations, even a customized license plate. Your grad will surely appreciate arriving in spirited style the first day on campus.

Writing Kit

A high quality ink pen evokes success. Select a fine writing instrument for your grad. Pair it with customized stationery to set the stage for your grad to come across as serious and professional. Perhaps you’ll receive the first “very impressive” thank you note!

Luggage with Personalized Tag

Everyone should have at least one piece of fine luggage—at least that’s what my Grandma told me. Unfortunately, not everyone can afford to buy this luxury, especially most graduates. Your favorite grad will be sure to appreciate this gift for years to come. Pair the bag with a personalized luggage tag to make it even more memorable. Who knows, maybe they’ll even take you on their next vacation, or at least send you a postcard.

Ok, time to go shopping or surfing! Graduation season will be gone before you know it so enjoy celebrating the next generation. Until next time . . .

Film Spotlights American Dream

(This article first appeared in Used Car News and was written by Jeffrey Bellant)

National Quality Dealer Tracy Myers and his Frank Myers Auto Maxx dealership in North Carolina are the focus of an Emmy Award winning film team’s latest project.

Car Men“, which had a black- tie premiere Nov. 17, tells the story of the dealership, which began as a general store 80 years ago.

A wider release is expected on Dec. 2, followed by a DVD release early next year, Myers said.

Myers is well versed in different types of media. In addition to writing the dealership’s blog, he has written newspaper articles and appeared on national television outlets, like Fox Business News and The History Channel, representing car dealers.

In late 2010, Myers appeared on motivational guru Brian Tracy’s syndicated television show.

He discussed the used- car business and the dealership’s history.

A producer from the show was so intrigued by the segment, he asked Myers if he would be interested in being part of a documentary about the business.

“ I didn’t think anything of it,” Myers said.

But the producer visited the lot, learned about how the dealership operates and convinced Myers take part in the documentary.

The production team came down a few months ago, interviewed family members and filmed for several days, Myers said.

Nick Nanton, the show’s producer, also helped make “Jacob’s Turn,” an Emmy Award-winning short film about a child with Down’s Syndrome playing on a teeball team.

Myers said once he’d heard that the production team won an Emmy, he figured they wouldn’t be interested in coming down to shoot the film about the dealership.

But they were still excited. “My wife and I are the only two people who have watched the finished project ( prior to the premiere),” Myers said. “ I know I’m partial, but I think it’s pretty amazing.

“ It’s an awesome legacy piece for my kids and grandkids. And for the industry, which I love. It shows the good side of what we do and the community side. It shows the heart and the hours that we put into it.”

Myers said he had an earlier offer from a different company to do a reality show, but it fell through.

The problem was how they wanted to portray the dealership and family.

“At every turn, they wanted to make us look like idiots,” Myers said.

He told them he wanted something positive, inspirational and motivational.

“ I have no problem with being funny and working our quirks into it, because we are quirky, ” Myers said. “ But you’re not going to make us look like a bunch of rednecks.”

Myers feels the documentary got it right.

“It’s a touching story about family, small business and the American dream.”

About Tracy Myers & Frank Myers Auto Maxx

The original Frank Myers Store was started more than 83 years ago by Frank Myers, the Great-Grandfather of the current owner Tracy Myers and the Grandfather of the previous owner, Franklin Myers. Tracy has spent the past 15+ years trying to change the landscape of the car business and the bruised reputation of car salespeople all over the country. Tracy was one of the first 100 Certified Master Dealers in the Nation, a NIADA Eagle Award Winner and was the youngest recipient ever to be honored with the highest available distinction in the used car industry…the National Quality Dealer award. Frank Myers Auto Maxx was recently recognized as one of the Top 22 Independent Automotive Retailers in the United States by Auto Dealer Monthly Magazine, one of the Top 10 Internet Auto Retailers in the Nation and one of the Top 3 dealerships to work for in the country by The Dealer Business Journal. Tracy is also the Co-Creator of the world famous “Everybody Rides” program and author of the best selling book “Uncle Frank Sez” available at and better bookstores. He is a Christian Business Owner whose goal is to run his business “By the Book”. The dealership specializes in helping people find, qualify for and own the vehicle of their dreams with little or no money down…even with less than perfect credit.

Contact Frank Myers Auto Maxx

Frank Myers Auto Maxx
4200 N. Patterson Avenue
Winston Salem, NC 27105
SALES PHONE: 336-767-3432
SERVICE PHONE: 336-831-0656

About “Car Men” – The Movie

He’s gone on TV dressed up as a giant pickle. Nowadays, you’ll see him most often sporting a giant red, white and blue Uncle Sam hat. Tracy Myers may play outrageous to sell cars – but this best-selling author, nationally-recognized entrepreneur, and devoted family man is dead serious when it comes to building a business he, his family and his city can be proud of.

“Car Men” details the touching and occasionally hilarious story of how the Myers men created a car business that’s known all across America for its successful out-of-the-box thinking – not to mention its off-kilter TV commercials, featuring such quirky characters as Uncle Frank and Chainsaw Charlie.

As one auto pro says, “In the car business, Tracy Myers is who everybody wants to be.” Watch “Car Men” and you’ll find out why.

Official “Car Men” Web Site:
Official “Car Men” Facebook Page: