One of your New Year's resolutions may have been to improve your credit score. Now that January has come and gone, are you still holding true to your goals? Other things may have gotten in the way, but it's not too late to be successful. Here are a few things you can do to improve your credit, even if your motivation has diminished. 

1. Write down your goals and review them often. A visual reminder is a good way to stay on track. If you need to modify your original ideas, it's okay. Sometimes we make goals that are far-reaching and then we give up. It's better to have small, achievable goals rather than unrealistic expectations.
2. Create a monthly budget. It's very difficult to get a handle on your finances if you don't know how much money is coming in and going out each month. Create a monthly budget and do your best to stick to it. Track your expenses and cut out frivolous spending.
3. Chip away at your debt. Aim to pay off a certain percentage of your debt by the end of the year. Whether you focus on one credit card or loan, use your budget to chip away at it. Pay more than the minimum to at least one of your accounts each month. 
4. Avoid creating more debt. Use cash, when possible, to pay for expenses. If you're creating debt while you're trying to get out of debt, you are setting yourself up to fail.
5. Talk to your creditors. If you're having trouble paying off your balances, talk to your creditor about your situation. Many have temporary hardship programs that offer lower monthly payments to help you get back on your feet. 

Getting your finances in order is a big job. Don't get discouraged if it takes awhile. Be persistent and continue paying your debts on time each month. Over time, you will see your credit score improve. You can begin to show a positive credit history by buying a car at Hometown Auto. We can help you build your credit by offering you quality vehicles with low down payments and affordable monthly payments.