About Brads Used Cars
Welcome to Brads Used Cars! Be sure to visit our virtual showroom of inventory available for purchase. There you will see detailed information about each vehicle, a picture gallery, as well as convenient ways to contact us for more information about that vehicle. We are located at 1003 East Park Ave Des Moines IA 50315 and are available by phone at 515-850-1201 . You can also get driving directions and hours of service from our user friendly website.
Brad's Used Cars has been successfully using the "Guaranteed Approval" Program for several years because it allows everyone the opportunity to finance a vehicle regardless of their credit history. It is a unique program because it allows customers to re-establish or establish their credit by making on-time payments for the duration of the loan. Brad's Used Cars makes it easy by offering automatic withdraws right from your checking account to ensure timely payments which help create better credit scores. Our goal here at Brads Used Cars is not only to get you a reliable vehicle, but help build you credit and financial future. Our mechanics inspect every vehicle before it hits our lot and we take pride in having the best pre-owned vehicles in Des Moines!
What is credit?
Credit is a promise to buy now and pay later. Your credit history is your reputation for paying debts in a timely manner.
What is a credit report?
A credit report is a record of all of your credit worthiness regarding your debt obligations. There are three major credit bureaus that report your credit history to lenders.
Equifax, Experian and TransUnion
Will buying a car from Brads Used Cars improve my credit?
Yes! Our program reports your payments to all three credit bureaus and on-time reported payments increase your credit score.
What is a credit score?
A credit score is generated based on your credit report. Lenders used this number to determine if you are approved for a loan or not.
Does Brads Used Cars use my credit score?
No, our program looks at your credit history and not just your credit not the score.
What lowers a credit score?
Events such as bankruptcy and repossessions can lower your credit score.
Missing payments or late payments can lower your score.
What raises a credit score?
Paying your debts on time will raise your credit score. The "Guaranteed Approval" Program is a great tool to get into a terrific vehicle and also used the opportunity to make your payments on time, every time, to increase your credit score.