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.

“Frank Myers Auto Was Knowledgeable, Helpful & Kind”

Winston Salem, NC – On a cold December day at Frank Myers Auto Maxx, the premier NC used car dealership, Ms. Eurydice bought a Kia Sedona van from Eddie Long. Here is what she said about her 5-Star Experience: “Although the process was mentally arduous, I was extremely please with the sales represntative. He was knowledgeable, helpful and kind. I also appreciate the cleanliness of the offices and restroom. Overall, I had a memorable experience for my VERY FIRST vehicle purchase. Viva La Frank Myers!!
To learn more about Frank Myers Auto Maxx, visit their website at or visit them at 4200 North Patterson Avenue in Winston Salem, NC 27105.

Frank Myers Auto Maxx Named One Of America’s Fastest-Growing Private Companies By Inc. Magazine

Winston Salem used car dealership, Frank Myers Auto Maxx, has been recognized by Inc. Magazine in their annual Inc. 500/5000 list, an exclusive ranking of the fastest-growing privately held companies in America.  Frank Myers Auto Maxx has earned the position of 3,576 on this prestigious list, which is considered a hallmark of entrepreneurial success. Past members of the list include Intuit, Zappos, Under Armour, Microsoft, Jamba Juice, Timberland, ClifBar, Patagonia, Oracle and Zipcar. In addition to Frank Myers Auto Maxx, the 2012 list added such powerhouses as Publix Supermarkets, CDW, Levi Strauss and a little social media company called Facebook.

“For more than 30 years, Inc. has celebrated the fastest growing private companies in America. To be honored this year is a particularly notable achievement. To rank among the 2012 Inc. 500/5000, the companies had to thrive through three of the toughest years this economy has seen in recent memory. Success in such times is eloquent testimony to creativity, resilience, and tenacity,” said Inc. Editor in Chief.

Complete results of the Inc. 5000, including company profiles and an interactive database that can be sorted by industry, region, and other criteria, can be found at


The 2012 Inc. 500|5000 is ranked according to percentage revenue growth when comparing 2008 to 2011. To qualify, companies must have been founded and generating revenue by March 31, 2008. They had to be U.S.-based, privately held, for profit, and independent—not subsidiaries or divisions of other companies—as of December 31, 2011. (Since then, a number of companies on the list have gone public or been acquired.) The minimum revenue required for 2008 is $100,000; the minimum for 2011 is $2 million. As always, Inc. reserves the right to decline applicants for subjective reasons. Companies on the Inc. 500 are featured in Inc.’s September issue. They represent the top tier of the Inc. 5000, which can be found at

Contact The Premier Used Car Dealer In Winston Salem

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

About Frank Myers Auto Maxx

Frank Myers Auto Maxx was recently recognized as the #1 Small Business in NC by Business Leader Magazine, one of the Top 15 Independent Automotive Retailers in the United States by Auto Dealer Monthly Magazine, one of the Top 10 Internet Auto Retailers in the Nation & one of the Top 3 dealerships to work for in the country by The Dealer Business Journal. Tracy is also the author of three number one books on, including “Uncle Frank Sez”. 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. For more information on Frank Myers Auto Maxx, please visit their website at:

About Inc.

Founded in 1979 and acquired in 2005 by Mansueto Ventures, Inc. is the only major brand dedicated exclusively to owners and managers of growing private companies, with the aim to deliver real solutions for today’s innovative company builders.  Total monthly audience reach for the brand has grown significantly from 2,000,000 in 2010 to over 6,000,000 today.  For more information, visit


Who Else Wants To Swap Their Old Ride For A Nicer, Newer Car At Frank Myers Auto Maxx & Get Paid For The Pleasure?


During The Great American Car Swap, Get Up To $4,297.00 More For Your Old Ride So You Can Get A Car You’ll Be Proud To Own And Drive

Winston Salem, NC – Trading something you’re bored with for something new and exciting is no longer just for flea markets and swap meets. Baseball cards, stamps, coins and other trinkets are the traditional fare for swapping, but local car dealer Tracy Myers of Frank Myers Auto Maxx is upping the ante and modernizing the swap meet with his most anticipated savings event of 2012 – The Great American Car Swap.

Myers has banded together with dealers from across the nation to give Americans this chance to get rid of the old car they hate driving.

Tracy told us, “The Great American Car Swap is good for business and good for America. This is an event that may never happen again! I’m pulling out all the stops to make this SWAP one for the record books! I don’t think anyone should have to drive a car they aren’t excited about and during this event, I don’t want to see anyone leave without a nicer, newer car! That’s why I’m offering up to $4,297.00 more for the old car you’re tired of.” 

During the Great American Car Swap Winston Salem residents get a chance to lower their car payment, reduce their down payment or get a nicer, newer car with extra upgrades (for the same amount of cash).

Be warned, not all dealers are participating in The Great American Car Swap. As Myers said, “I’ve joined forces with like-minded dealers across the country to make this event happen. We’ve spent months planning and are proud to stand together to change America, one car and one family at a time.

We want to do our part to make America a better place to live.  I’ve read the reports that say Americans are not the happiest people on the planet. Forbes ranked us #10. I’m trying to change that – Americans have always had a love affair with the automobile; my goal is to help more people fall in love (and find happiness) during The Great American Car Swap.”

The Great American Credit Score

Many Americans have something in common – a credit score they aren’t too proud of. Generally this is due to circumstances beyond their control, bad timing or a string of unfortunate events. Most Americans don’t realize how important their credit score really is until they need to get a loan. That’s when they realize they need help and often don’t know where to turn.

Myers explained he works extra hard to help local people in tough situations like these and announced this big news, “This month, I’m introducing my Everybody Rides 4G Credit Approval Upgrade. I figured if the cell phone companies can do it, so can I!

My “Everybody Rides 4G Credit Approval Process”

Works to Solve CREDIT Problems . . . 



offers up to 4X MORE FORGIVNESS

and delivers up to 4X more APPROVAL!

Myers really wants to help people get the car they want and deserve. He’s determined not to allow credit challenges to stand in his way. The 4G Upgrade works to enhance the already highly effective Everybody Rides Credit Approval Process. The goal – to get people approved up to 4 times faster, while making the whole approval process up to 4 times easier, offering up to 4 times more forgiveness so that in the end, up to 4 times more people drive away in a nicer, newer car. 4 times more approval means up to 4 times more happiness.

Take Back Your Happiness Today!

So if you’ve been dreaming about getting rid of the old clunker you’re driving, make today the day your dream comes true! Go toFrank Myers Auto Maxx and swap your old ride for a nicer, newer car during The Great American Car Swap. By this time tomorrow you could be behind the wheel of the nicer, newer car you’ve always dreamed of and on your way to a better life, or at least to a better commute to work! Time to upgrade your life and lifestyle with a nicer, newer set of wheels.

To be a part of this groundbreaking, life-changing event and get up to $4,297.00 more for your car, which may lower your payment, reduce your down payment or get you behind the wheel of a nicer, newer car with extra upgrades (for the same amount of cash), get down to Frank Myers Auto Maxx at 4200 North Patterson Avenue in Winston Salem, NC right away.

Shop today for the best solutions. You can also start the quick and easier credit approval process by going to Or call 336-767-4069 and set a VIP appointment right now.

Hurry in, The Great American Car Swap goes until midnight on May 31st or until we’ve swapped 188 cars! The early bird gets the worm, or in this case, the better ride!

Uncle Frank Sez: “Yes…this offer is real & there is no need to pinch yourself. Please know that offers may not combine & some negative equity may be refinanced. Financing requires bank approval. WE APOLOGIZE IN ADVANCE BUT ANY PRICE DISCOUNT(S) MAKE ALL “GREAT AMERICAN CAR SWAP” OFFERS NULL AND VOID.


Nissan Used Car Dealer In Winston Salem Offers Variety

A leading Nissan used car dealer, Frank Myers Auto Maxx, makes sure that customers have a variety of affordable, reliable vehicles to shop from. Frank Myers Auto carries a variety of Nissan used cars in Winston Salem at affordable prices.

Pre-owned Nissan vehicles usually in stock at the used car Winston Salem dealership include Nissan favorites, such as the Altima, Sentra, Maxima and Rogue. The leading Nissan used car dealer in Winston Salem usually has multiple models of 2007 and 2008 Nissan Altima sedans in stock. This sleek and sporty car comes well-equipped with the long list of features used car buyers are looking for.

One example of the type of 2008 Nissan Altima 2.5 S that arrives at the dealership on a regular basis and includes everything used Nissan used shoppers in Winston Salem are looking for.

Interior features include power windows and locks, cruise control, air conditioning, Intelligent Key system with push-button ignition, rear window defroster with timer, 60/40 split-folding rear seat with lock and more. The audio system on the car includes a great AM/FM stereo with CD player.

Safety features on the Altima include driver and passenger supplemental dual-stage front airbags, roof-mounted side curtain airbags, front seat belts with pretensioners, load limiters and adjustable upper anchors, 3-point seat belts in all seating positions, front seat active head restraints, LATCH system of lower anchors and tethers for children, energy absorbing steering column, front and rear crumple zones and side-door guard beams.

Another used Nissan Altima that Winston Salem Nissan used car shoppers will love is a 2007 Nissan Altima 3.5. Features of this great used car include power windows with 1-touch up/down, remote keyless entry, air conditioning, AM/FM stereo with CD player, steering wheel mounted audio controls, low tire pressure warning and more.

Nissan Used Car Dealer Winston Salem

These two great used Nissan Altima sedans are just two examples of the many used cars  at the Nissan used car dealer in Winston Salem. Several other used Nissan Altima sedans are usually available now in addition to many other exceptional other used Nissan models.

For a full inventory of used Nissan vehicles available at the leading Winston Salem used car dealers Frank Myers Auto Maxx, please visit for directions or contact information.

Cars For Sale at the Leading Nissan Used Car Dealership in Winston Salem

Click HERE to see used Nissan for sale in Winston Salem.