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As a finance manager, I cannot overemphasize how important it is for you to pay attention to your credit scores! As a consumer you are entitled to one free credit report for each of the three main credit bureau companies (Trans Union, Experian and Equifax) per year at no charge. The website to receive and view this data is https://www.annualcreditreport.com. By viewing your credit reports each year, you can pick up on errors in reporting and have them fixed before you make a purchase. Catching these errors sooner rather than later will save you headaches down the road. Achieving and maintaining an excellent credit score is important because people with higher scores are more likely to be approved for loans and have access to lower interest rates. When arranging an auto loan for you, a strong credit score will get a lower interest rate, allowing you to pay less to the lender for the same amount of money borrowed than someone with a lower score. Your good credit score is the key to your purchasing freedom and excellent interest rates. -Josh Glazier, Financial Services Manager

The completely redesigned 2013 Toyota RAV4 is available for sale at Irwin Toyota. The new front end bears a strong resemblance to the 2012 Camry, with the same aggressive styling and and sleek design. The athletic posturing and sporty stance of the 2013 RAV4 make it clear that this SUV is ready to make a statement. Another huge exterior design change is that the spar tire is no longer mounted on the rear of the vehicle, but is now stored underneath. Removing the tired weight form the trunk allowed the engineers to replace the swing-gate with a more conventional lift-gate. The new design features a fuel-efficient design that uses a 2.5L, 4-cylinder engine and a 6-speed automatic transmission to achieve up to 31 mpg in the FWD models and 29 mpg in the AWD models. Additionally, there are three available driving modes (Normal, Eco, and Sport), so you can tailor your RAV4's performance precisely to your need. Another added bonus of the redesign is what Toyota calls "class-leading" cargo capacity, which measures at 38.4 cubic feet behind the rear seat and 78.3 cubic feet with the rear seat folded down. The price is another area where the RAV4 shines: the MSRP for the FWD model in the LE trim starts at $23,000, and AWD is available starting at $24,700 for the LE trim level. As always, the RAV4 will have a wide range of available options including power moonroof, navigation, leather seats, heated seats, alloy wheels, Entune multimedia, voice recognition, and much more. [gallery]