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10611 Boney Avenue, D'Iberville, MS, 39540

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Dealership Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Fri9:00 AM - 8:00 PM
  • Sat9:00 AM - 7:00 PM
  • SunClosed
Service Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed
Parts Hours:
  • Mon - Fri7:30 AM - 6:00 PM
  • Sat8:00 AM - 4:00 PM
  • SunClosed




Steps for Credit Repair


When shopping for a new Kia car to drive throughout the D’Iberville, Gulfport, and Hattiesburg areas, you want to make sure you are setting yourself up to get the best possible deal out there.

While our financing experts here at Pat Peck Kia can help you achieve this by working individually with you, there are also ways you can help make the most of your investment. 

One of those is having the best credit possible before getting your new Kia. This is because you’ll be able to get a better rate for your auto loan, which means less interest throughout your time paying off your loan. See which steps you can take to repair your credit.

Credit Repair

1. Know Your Credit

First and foremost, it is important to know and understand what your credit score is. There are multiple resources you can use to get a free credit report, which will let you get a detailed look of your credit.

Knowing your score will let you know where exactly you stand. That way, you can set a goal of what score you want before buying a Kia car. You may also find errors within the report you can dispute that may immediately help boost your score once resolved. 

2. Set a Budget

Next, you will want to be organized and ready to make sure your credit score rises instead of falling more. The best way to do this is to set a budget for yourself. This will help ensure your credit score doesn’t drop more, but instead begins to climb as you pay all your bills on time.

By setting a budget, you can make sure you aren’t spending more than you can afford on a monthly basis. Also, after seeing what is left over after other monthly expenses when working out a personal budget, you will be able to get a sense of what you can afford towards your new Kia car.

Paying bills

3. Pay Bills on Time

Late payments on your bills end up hurting your credit score, as well as costing you more overtime due to interest. Luckily, with your budget now set and organized, you will be able to keep track of all your expenses and comfortably pay off each bill regularly.

A helpful tip is to set a calendar reminder of when each specific payment is due, so you don’t forget to send in your payment on time.

4. Understand Your Credit Utilization Rate

Your credit score also changes depending on the amount you owe, compared to how much credit you have available. This is called your credit utilization rate. Generally, you want to try and keep this rate under 30%.

You can reduce this by paying off account balances you owe or increasing your total available credit. This can be done by opening a new credit account but be careful not open too many within a short period of time because this can end up negatively impacting your credit score.

Credit Limit

5. Increase Credit Limit

By increasing your credit limit, you are able to lower your credit utilization rate. We mentioned one way of doing this is by opening additional lines of credit. If you would rather not apply for additional credit cards, though, you can also see what it takes to increase your credit limit on a card you already have.

If you normally pay on time, you will have a higher chance of getting additional credit added to your account. Just make sure you don’t spend more than your budget, even if you do get an increase in credit. Remember—this is so you can keep that credit utilization rate down!

Come Chat With Our Experts

If you have any more questions specific to improving your credit score, you can stop by Pat Peck Kia and chat with one of our finance professionals. They can meet with you and happily go over any questions or concerns you have about financing a Kia.

They can also take a look at your personal finances and see how you can get the best deal possible for your new Kia. Drivers in D’Iberville, Gulfport, and Hattiesburg can come by our dealership today to learn more about auto financing and their options when it comes to buying or leasing a Kia!

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(228) 679-5200

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10611 Boney Avenue • D'Iberville, MS 39540

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Today's Hours:

Open Today! Sales: 9am-8pm

Open Today! Service: 7:30am-6pm

Open Today! Parts: 7:30am-6pm

Pat Peck Kia

10611 Boney Avenue D'Iberville, MS

Phone: (228) 679-5200'Iberville%2C%20MS%2039540


Phone: (877) 357-9477

10611 Boney Avenue D'Iberville, MS


Phone: (228) 679-5200

10611 Boney Avenue D'Iberville, MS


Phone: (228) 679-5252

10611 Boney Avenue D'Iberville, MS
30.4435952 -88.8960163
Pat Peck Kia 30.4435952, -88.8960163.