IntroductionThe shrinking economy in the United States has affected the payment capability by the auto loan clients. Statistics show that 90 per cent of auto loan in the US are delinquencies for indirect loans during the economic turn down. This implies that they are late payments. Usually auto loan payments delinquencies occur where borrowers fail to remit their down payments in the prescribed time frame resulting to delay. There are numerous factors that an auto loan client servicing a loan should exercise so as to keep a good credit score for future auto loan acquisitionPay more of the monthly down paymentUpon the granting of an auto loan, an auto finance company usually calculates the monthly down payment based on yearly interest rate, loan amount advanced and the period of payment. These parameters determine the total amount of loan payable. It is from these grand amounts that monthly down payments are calculated. It is advisable that you sometimes pay more than the minimum down pay. This brings out the impressive that you are a disciplined client and you are not struggling to pay the loan. Your credit score is boosted.Avoid bankruptcyBankruptcy implies that you are out of cash for the most of the loan period. The resultant is either a late payment or evading down payment. As a borrower, you must work hard to see that you have cash for better part of the year or loan period. You are able to pay the minimum down payment and even higher than the minimum. Any state of bankruptcy will taint your credit worthiness and the credit score falls drastically. Your future ability to borrow is compromised.Avoid late payment of regular billsYour household bills payment patterns are considered by the financial institutions when calculating your credit score. Late payment of your most important bills signifies that you are undisciplined or you are struggling with cash management. Your late payment of rent and electricity bills will depict a negative score of your credit analysis. This has a negative impact on your future auto loan projects.Avoid payment delinquenciesAuto loan payment will determine your credit score whether it is done promptly or late. Incurring subsequent late payments of your down pays leads to increased delinquency levels. This means that you take too long to pay your minimum monthly pays. These delays are reflected in your credit score report thus affecting your future loans.Avoid borrowing to repay another loanWhen you are faced with uncertainties in your finances, you are most likely to borrow another financial lender to repay an existing auto loan. When you do this your credit worthiness is adversely affected. A tarnished credit worth implies that your next loan acquisition will attract high interest rates. It also will require you to place collateral against the loan thus risking losing them. You will be limited to particular amount of loan from which you cannot exceed that amount.Observing aforementioned measures will reduce late payments and possible non payment of monthly down pays. This will in turn improve the borrower’s future car loan application and approval prospects.