A credit problem is defined by a restraint access to different credit solutions: car credit, mortage credit, personal credit, consumer credit.


The informations relative to your credit are contained in your personal credit bureau. Various calculation methods permit to establish a credit score that will indicate to you if you have credit problems or not.

A score over 650 is a comfortable situation for your credit file. The higher your score is, the less you are at risk for the lending institutions, the less you risk to have credit problems.


Your score is low? You must change your habits toards your creditors.

Pay your bills punctually, avoid being late and forgotten payments. Reduce your sebts and your quantity of access to credit.

*Never lose hope, your credit score is not the only factor that a creditor can consider when evaluating your file. The stability of your job, the number of years that you have lived at the same place, your family status are also important elements.

Despite your credit problems, alternative financing solutions exist. Consult the Auto-Financement.com web site, you will find a quantity of informations and resources that can help you access to credit

Want more information on credit house you can look under dealers who specialize in this kind of credit.

see the list of merchants house financing