Why An Autocheck Report Is In Your Best Interest

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We all know that it is very scary to purchase a used or previously own vehicle. You just never know how responsible the previous owner or owners were. This can be quite unnerving for consumers when they’re looking at potential cars to purchase.

I mean, how do you know if a vehicle has been in a prior accident? Or how can you trust it was repaired correctly after an accident?

AutoCheck is on your side
AutoCheck takes all of the guessing work out of purchasing a used car. Here are some of the things that an AutoCheck vehicle history report identifies for you:

  • Accurate mileage
  • If the vehicle has been in any accidents
  • Whether the odometer has been tampered with
  • Frame or water damage
  • Whether the car has been stolen or repossessed
  • If the car is branded as a lemon
  • Whether the vehicle was used as a police or taxi service vehicle

These are only a few of the factors an AutoCheck history report takes into consideration. Think of it as a summary of the car’s entire lifespan, from creation until the day the report is pulled.

Easy to understand scoring system
Additionally, another thing that makes AutoCheck so nice is the simplicity at which the company rates vehicles. There is a number scale that rates the cars between 1 and 100 and is as straightforward as it gets. This score takes into account all the factors mentioned above and even more.

Where does the information come from?
Data is provided by Experian, a global market leader in information services, which gives the entire AutoCheck more validity and customers a peace of mind. We here at HGreg.com provide a free AutoCheck report for every single vehicle in our inventory. Start your search for your next vehicle today.

What You Need To Understand About Your Credit Report

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Many people understand that their credit determines whether or not they’ll have a high interest rate or a low interest rate when they make certain purchases. However, there is much more to your credit report than just the score and understanding it is not very difficult to understand, you just have to know what you are looking at.

If you are concerned about your credit report, or even if you have never shown the slightest interest in your score, then consider the following information: Understanding your credit score is important, not only to know where you stand financially, but also to be aware of how credit works and what you can do to improve your score, not to mention maintain it.

What Goes Into It?

Your credit report is essentially a summary of your financial history. This means it accounts for everything from past bill payments, the number of accounts you have had, how long your accounts have been open, recent credit activity and whether any of your debts have been referred for collection, bankruptcy or foreclosure.

Is All Credit Information Equal?

Since your credit report is comprised of your credit history, you might assume that each piece of information is weighed the same, but, in fact, there are differences in how each part of your history is calculated. According to myfico.com, the largest part of your credit report is weighed by your payment history. In fact, this number makes up 35 percent of your total score and new credit accounts are 10 percent of your score.

Some types of credit affect your score more than others, like credit card debt, which will have a stronger impact than a student loan. Some loans are designed to be long term, which means they won’t bring down your score as fast as outstanding credit card payments. Credit cards are easier to use, more readily available and because of that, they come with higher risk.

However, everything you owe is also put into a category – amounts owed – which makes up 30 percent of your score. This is a significant number, which means staying on top of your monthly payments is hugely beneficial to your overall credit score. Additionally, the length of your credit history is taken into account as well, making up 15 percent of your score. It is for this reason you shouldn’t close out credit card accounts, even if you have cards you never use. If you close old accounts, it shortens the length of your report history, which can work against you. Having a long history helps your new debt have less of an impact, but it is still important to stay on top of it.

Does Applying For A Loan Hurt My Score?

Whenever you apply for a loan, regardless of the type, a lender is going to check your credit score to gauge how much of a risk you are. When your lender performs this action, it is called a hard inquiry, which will bring your score down slightly. This can also be the case when you apply for new credit cards, as the bank or provider will check your report for approval. For this reason, you should not apply for a large number of credit cards or loans in a short period of time.


However, hard inquiries are common and the impact they have on your score is easily repairable. These inquiries are not made to prevent you from taking out loans, but to keep you from relying too heavily on loans and credit. Additionally, according to TwoCents.com, you can check your own credit report as well, and this is known as a soft inquiry. This will not affect your credit as much.

What Are The Actual Numbers?

Credit score range from 300 – 850, with 850 being considered excellent and 300 very poor. 720 is commonly accepted as a good score, and then from there it is referred to as fair, poor and ultimately, very poor.

Checking your score to see where you stand is a good idea. And you shouldn’t wait until a lender checks it. You should be proactive about your credit score. Know what you numbers are so you can improve or maintain whatever path you are on. Additionally, there might be mistakes you can have removed, but this is only the case if you take a look. Whether or not you are confident about your credit report, if you are ready to take the next step to purchase a quality vehicle, contact us. Our finance officers are ready to assist you today!

HGreg.com is Now Hiring!

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That’s right! We’re hiring and we want YOU to join our team! We need to expand our HGreg.com family. If you or someone you know would like to join a winning team that is ever expanding, please send your resumé to Careers@HGreg.com. We are currently hiring for:

RECEPTIONISTS

Responsibilities:

– Greet visitors

– Handle incoming calls, takes messages and places outgoing calls

– Relays messages to Department Manager using phone and/or PC

– Receipt Cash/Credit Card/Cashiers Check Payments accurately

– Issue temporary plates to recently purchased vehicles

– Sorting mail

– Ensure front desk area is tidy; keep office files, documents and workflow organized.

– Supports Department Manager with various duties and projects as requested.

Requirements:

–       Bilingual English/Spanish preferred.

–       Proven working experience in similar roles

–       Proficient with Microsoft Office Suite

–       Professional appearance

–       Solid communication skills both written and verbal

*Please note that a valid FLORIDA driver’s license will be required. Hope to see you soon!

The HGreg.com Auto Service Department – Quality Service You Can Depend On

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The HGreg.com service center strives to provide our customers with top-notch service that is fast and reliable. We offer some of the best prices in town for auto repairs and regular auto maintenance. So, whether you’re visiting us for a simple routine oil change, a new set of brakes, new tires, or even major damage repairs, you can trust the HGreg.com service center team of certified mechanics to provide you and your vehicle with the attention and detail you deserve.

We strongly feel that our customers shouldn’t have to worry about keeping their vehicles in good conditions. As your trusted car dealership, it is our mission to also be your trusted preventive maintenance center as well. We will assist you to stay up-to-date on your routine vehicle maintenance and provide the best prices in the process. Schedule your next auto service appointment with our auto service team today.

HGreg.com Warranties – Putting Our Customers First

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At HGreg.com, we pride ourselves on providing our customers with a one of a kind car buying experience. We never haggle with customers over the prices of our vehicles. With us, what you see is what you get.

As we grow and learn, it is our goal to continually evolve our customer experience. We don’t just want to provide a better way to purchase pre-owned vehicles; we also want to provide a superior customer experience. Because we are so eager to go that extra mile for our customers, we’ve already implemented some unique amenities that come standard when customers purchase a car from us.

By offering our customers a lifetime warranty on the engine of their vehicle, a 3-day money back guarantee on all cars, and putting our vehicles through a rigorous 140+ point inspection before deeming them HGreg.com Quality Certified, plus providing buyers with a 30-day warrantee and a full year of roadside assistance, we’re assuring drivers that the car they buy from us will last. At the end of the day, we actually take a loss on 1 of every 3 cars we sell, just to make sure that our customers pay the lowest price. That’s how dedicated we are.hg

We are will continue to raise the bar when it comes to purchasing pre-owned vehicles because that’s what you, our customers, deserve. Learn more about how we operate and what we offer our customers.

The HGreg.com Family: Putting A Smile On A Little Girl’s Face

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One of our salesmen purchased a pony rocker for his little girl. Eloy, an outstanding dad, always goes above and beyond for Matilda. I can recall seeing the determination in Eloy’s face when he was searching the web to find the perfect pony rocker for her last week. When he finally got his hands on it, he couldn’t wait to assemble it and surprise Matilda with it. Upon seeing that Eloy needed help assembling the rocker, the other salesmen didn’t hesitate to chip in and lend him a hand. But that’s no surprise because the HGreg.com team are all one big family.

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HGreg.com Financing – Providing The Best Rates And Deals On A Car Loan

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We here at HGreg.com, feel that buying a car should be simple. Find the right car, and get it at a fair price – that’s our motto. When you find that dream car, there’s no need to worry about financing. We work with over 25 lenders and make sure that you get the absolute best rate possible.

We know that life happens, and as a result, everyone won’t have perfect credit. People get divorced, have extended illnesses, become victims of identity fraud, and other unforeseen occurrences happen. We understand.

We are not only committed to providing the lowest market prices on every single vehicle in our inventory, but our finance department is committed to getting our customers the best APR possible. They are experts at handling individual needs and budgets and can help arrange financing for any credit type. If you feel that you have less than perfect credit, don’t be discouraged. Just come to our store and let our team of professionals work with you. You may just be surprised with what we can do for you.

Approval is simple, and you could be out the door in as little as 30 minutes, enjoying your new purchase with low monthly payments. See what we can do for you today.