Many people from Barberton, Ohio, to Wooster, Ohio, take the end of one year and beginning of a new one to reflect upon their past and contemplate what actions they can take to better their state of affairs. January and February are typically the times to put that plan into action, and one of the best things that anyone can do to move ahead in the world is to repair their credit score. Any financial institution will agree that two basic actions will help to improve anyone’s credit, and they are to obtain a car loan and a secured credit card with timely payments made every month. Drivers from Seville, Ohio, to Massillon, Ohio, who are searching for car financing with a bad credit score can visit Buy Here Pay Here dealer Jay’s Auto Sales. This local used car dealer not only offers affordable used cars and trucks, but they do so with first responder and military discounts every day. They have been trusted by the community for over 32 years, and new customers often wonder why they hadn’t visited them years before.