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Recent Articles
How Claims Affect Car Insurance Costs January 29th, 2015 by

In addition to growing older and improving their FICO scores, consumers can save on their car insurance premiums by limiting both the

number and types of claims they submit to their insurers. Continue reading


Best Resale Value Cars for Borrowers with Bad Credit January 28th, 2015 by

We take the Kelley Blue Book 2015 Best Resale Value award winner list and slice and dice it to come up with the best vehicles for consumers who are credit-challenged. Continue reading


Ally Financial to Offer Free FICO Scores January 27th, 2015 by

The lender formerly known as GMAC has started a pilot program that offers account holders access to their FICO Score Continue reading


Best New Car Buys with Poor Credit January 26th, 2015 by

But while the kbb.com list covers the gamut of vehicles from small to large (and everything in-between), since credit-challenged buyers are especially price sensitive, we decided to concentrate on the most affordable category: small cars. Continue reading


What Should My Down Payment Be for a New Car? January 25th, 2015 by

Let’s start by talking about what the typical down payment suggestions are for a new car. Some say 20%, while others say the average is closer to 12%. This means that for a vehicle in the $10,000 to $15,000 range, you will need to pony up anywhere from $1,200 to $3,000 for a down payment on a car. When you’re on a tight budget, coming up with this amount may prove problematic. Continue reading


Your Tax Refund: Buying a Car vs. Paying Off Debt January 24th, 2015 by

While it may be tempting to use your tax refund as a down payment on a new car, is this really the best option for right now? If you have unpaid debt, you may be doing yourself a huge favor by using your extra cash to pay what you owe. Your credit score will thank you. Continue reading


Great Credit Won’t Happen Overnight, but it Will Happen January 23rd, 2015 by

If you have bad credit, you may be looking for the quickest fix possible. And some companies claim that they can fix your credit overnight, but can they really? Are their methods legal? Before you give money to anyone who makes promises about your credit, you should know what is actually involved in legitimate credit repair. Continue reading


Can I Trade in a Car I Still Owe Money On? January 22nd, 2015 by

The car you have runs well. In fact, it’s a great car with plenty of nice features and it is perfect for all of your needs. But your financial situation has changed, and you need to trade it in. But there is a problem: You still owe money on it.

The good news is that yes, you can trade in that vehicle. The bad news, however, is that there will be some drawbacks, especially if the reason you need to replace it is because you can no longer afford the payments. This is a factor you will need to thoroughly consider when determining what kind of car you can get to take its place. Continue reading


Are High Interest Rates Permanent? January 21st, 2015 by

High interest rates are usually the result of either having no credit or damaged credit, and in both cases can be remedied. All it takes is patience and some effort, and with some time and a little work you may find yourself in the position to get a lower interest rate either through refinancing or a new car loan. Continue reading


Down Payments with Bad Credit January 20th, 2015 by

Instead of thinking of a down payment as a hurdle, car buyers with credit issues should think of a down payment as a way to save themselves money as well as a way of contributing to the success of their credit repair efforts. Continue reading


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