Review your credit history
When you submit a financing request from one of the financing agencies, your credit record is verified, including your financial obligations, such as: cards / car payments / personal finance, through a database (SIMAH) where your credit information is kept and updated on an ongoing basis. Of course, the better your credit record, the greater your chance of obtaining new or additional financing on good terms
And if you really want to be smart with financing, your financing history will be really positive, as a good (credit) history can be of benefit to you.
• Pay your bills on time (not only the financing installments). The more evidence you have to pay on time, the better. But if you have a bad credit record, for example when you are trying hard to pay off the financing installments, be sure to follow that long by keeping a good credit record before you apply for a new financing that meets your needs.
• You have to be familiar with your credit record and you should organize it. This will help you see things from the point of view of the financing authority.