Credit FAQs


Auto Credit History and Important Questions for Honda Shoppers to Consider

When it comes to purchasing your next vehicle, determining where you stand with your credit is an important consideration and something you must first take a look at. A good credit score can go a long way in securing a favorable auto loan, as it shows you’re a trustworthy borrower who can be relied upon to make payments on time and stay on schedule. And while poor credit history does put you behind the curve, there are ways to get back on track and start improving your borrowing reputation.

Here at Balise Honda of West Warwick, our financing team gets plenty of questions about credit history as related to financing a new Honda model off of our lot. We’re happy to address a number of these inquiries below, and discuss any additional questions you have here in person or over the phone.

Frequently Asked Credit History Questions

How can I improve my poor credit history?

Whether through missed payments or lapses along the way, you may now find your FICO score or outside credit score to be sorely behind. All is not lost, however, as a review of your most updated credit report from any of the three outside agencies or FICO itself can illuminate the problem areas. From there, it’s on you to begin making payments and respective adjustments to begin developing credibility in this area.

What do I need to show lenders with my credit score?

Reliability is the most important aspect of a shopper’s credit borrowing history. A vehicle is a very large investment, so the lender needs to be able to trust that you will make your payments on time and hold up your end of the bargain. A FICO score with high marks is a good indicator that you can be trusted, and can lead to obtaining better credit and interest rates that are favorably lower.

What are the credit score ranges and what do they mean?

With a range of 300-850, your credit score may fall in a variety of places depending upon your history and upkeep. Marks above 700 indicate you’re a reliable borrower, while scores below 620 indicate there may be some inconsistencies in your history.

Dealer Info

Phone Numbers:Sales Hours:
  • Mon - Fri9:00 AM - 7:30 PM
  • Sat9:00 AM - 6:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:00 AM - 6:00 PM
    (Express open 8-5)
  • Sat7:00 AM - 4:00 PM
    (Express open 8-5)
  • SunClosed
Parts Hours:
  • Mon - Fri7:00 AM - 6:00 PM
  • Sat7:00 AM - 4:00 PM
  • SunClosed

Visit Our Dealership

509 Quaker Ln, West Warwick, RI 02893
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401 822-2000

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509 Quaker Ln • West Warwick, RI 02893

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Today's Hours:

Open Today! Sales: 9am-7:30pm

Open Today! Service: 7am-6pm

Open Today! Parts: 7am-6pm

Balise Honda of West Warwick 41.6806464, -71.5007093.