Work With Me Dave
29200 Telegraph Road
Southfield, MI 48034

(248) 579-0826

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Work With Me Dave

29200 Telegraph Road
Southfield, MI 48034

Ph. (248) 579-0826
Business Hours
Monday
9:00 AM - 9:00 PM
Tuesday
9:00 AM - 6:00 PM
Wednesday
9:00 AM - 6:00 PM
Thursday
9:00 AM - 9:00 PM
Friday
9:00 AM - 6:00 PM
Saturday
Closed
Sunday
Closed
“WORK WITH ME!” Dave Garcia

Dave Garcia has been in the car business helping people with damaged credit for over 36 years. He approaches his work with compassion and understanding. He knows that bad things happen to good people and that credit isn’t the whole picture when it comes to someone’s character. Dave listens to what you are trying to accomplish and goes to work for you. Dave is a Deacon at El Bethel Church in Redford.

Thomas “Coach” Humes

Tom Humes started with the Work with me Dave team November of 2015. He has been in the automotive industry for 19 years. He is a great problem solver and honest as they come. In his spare time he coaches youth football for the Southfield Ravens, which he's been involved with for 16 years.

Chuck Champe

Chuck Champe has been with Avis Ford since January 2000. He has worked with credit issues his entire carrier and became manger of the department in 2012. He is friendly, hard-working, and truly cares about customer satisfaction.

Top 3 Reasons Why Your Credit Score May Have Dropped

It is usually frustrating when you have to run up and down looking to secure a loan. The number one reason why most institutions decline loan applications is when a person has a bad credit score. Below are the top three reasons that may result in a drop in your credit score.

Your Payment History

People who always make their payments on a timely basis have a good credit score as opposed to those that do not. Lenders who include banks and various credit companies will brush over your credit history to calculate your credit score. Payment history is arguably one of the most important factors that you should be put in mind as it has the highest impact on your credit score. Delayed payments are forwarded to the credit bureaus, and this is how they affect your credit score. It is advisable for you to regularly check whether your payments are being reported correctly because late payment may not be your fault.

Your Credit Utilization

More debt in your credit card will amount to a drop in your credit score. If you tend to rely majorly on debts, it is a negative sign to the lenders. Making big purchases by using your credit card may impact negatively on your credit score as it may record a drop. It is always good for you to monitor your current usage of the credit card and perhaps set limits. Monitor your credit report and check if there are errors recorded, maybe due to some misinformation.This happens often and it is your obligation to make sure that everything is in order.

Undesirable Items Featuring in Your Credit Report

Bankruptcy and foreclosures are examples of undesirable items in your credit report that make your credit score to drop drastically. It is advisable for you to pay for all your accounts. This does not only mean the credit payments, it also includes the non-credit. Failure to pay may affect your credit score negatively when a collection agency compiles and adds it to your credit report.

If you have a low credit score and need a car, contact the team at Avis Ford Credit today.

Work With Me Dave!

Hey everyone! I'm Dave, a finance specialist at Avis Ford. In the metro Detroit area, I am also known as "Work with me Dave". I have been in the car business for thirty years and I specialize in helping customers that have bad credit, repossessions, bankruptcies, and other major credit issues. Now that I work at Avis Ford, I know that this is the perfect dealership for me to spread the word that I am here to get you into a reliable vehicle the same day that you come in.

As of now, I am on the radio on channel 1200 AM, 105.9 FM, and 102.7 FM Praise Radio spreading the message that just because you have credit issues doesn't mean you should have to drive a junk vehicle.

We offer many programs here at Avis Ford, so apply now and our credit crew can get you cruising back on the right track today

Apply Today!

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Work With Me Dave

About Us

The Work With Me Dave team at Avis Ford specializes in new and used vehicle purchases and leases for individuals and families that have damaged, bruised, or no credit history. Dave has been helping customers with bad credit, low credit scores and bankruptcies for over 20 years and we have one of the lowest rejection rates in Michigan!

Give Dave, Tom or Chuck a call today and you could be driving away in a current model, low mileage, reliable car or truck with our liberal financing or our popular leasing program for credit repair.
• Guaranteed credit approval.
• No minimum credit score
• Minimum down payment or use a trade-in
• Bankruptcies... No problem!

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Work With Me Dave

29200 Telegraph Road
Avis Ford
Southfield, MI 48034

(248) 579-0826