Comments on: Tote the Note – We Finance Everyone Car Dealers http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/ How to get an Auto Loan with Bad Credit - Auto Credit Express Mon, 15 Mar 2010 06:42:39 +0000 http://wordpress.org/?v=2.6 By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-4144 Steve Cypher Tue, 16 Feb 2010 17:13:16 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-4144 Kiesha, Everyone's credit situation is different and there are a number of variables that make it difficult to pinpoint any one factor that might increase your chances next time. The one thing you can do is order a copy of your credit report from each of the three bureaus and look for any mistakes that they might contain. Since the bureaus are required to correct any discrepancies (once they've been proven) within 30 days of filing a dispute, you need to allow some additional time before the changes appear on your credit report. Another factor to consider is the type of dealer that you visited as well as the portfolio of lenders that this dealer dealt with. So to help you out, I have given your contact information to our customer service department and someone should be in contact with you shortly. Kiesha,

Everyone’s credit situation is different and there are a number of variables that make it difficult to pinpoint any one factor that might increase your chances next time.

The one thing you can do is order a copy of your credit report from each of the three bureaus and look for any mistakes that they might contain. Since the bureaus are required to correct any discrepancies (once they’ve been proven) within 30 days of filing a dispute, you need to allow some additional time before the changes appear on your credit report.

Another factor to consider is the type of dealer that you visited as well as the portfolio of lenders that this dealer dealt with. So to help you out, I have given your contact information to our customer service department and someone should be in contact with you shortly.

]]> By: Kiesha Jones http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-4067 Kiesha Jones Tue, 09 Feb 2010 20:02:20 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-4067 I am looking to purchase a new or used car within the next month or so. I am just a little concerned about approval because of my credit score being just below 600. There are only 3 things on my report totaling under $1,500 dollars. I was told by a previous dealership last year when trying to purchase a car that I had been denied because of delinquencies on my credit report. I had things from years and years ago, but nothing recent. I guess these things do follow you forever. Is there anything specific that I should do to try an increase my chances on the next attempt to purchase a car? I am looking to purchase a new or used car within the next month or so. I am just a little concerned about approval because of my credit score being just below 600. There are only 3 things on my report totaling under $1,500 dollars. I was told by a previous dealership last year when trying to purchase a car that I had been denied because of delinquencies on my credit report. I had things from years and years ago, but nothing recent. I guess these things do follow you forever. Is there anything specific that I should do to try an increase my chances on the next attempt to purchase a car?

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3843 Steve Cypher Tue, 12 Jan 2010 16:25:44 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3843 George, We deal with a broad spectrum of lenders that can help consumers in a wide variety of situations. Since there is very little information that you have given us, I would suggest that you fill out an application and see what we can do for you. George,

We deal with a broad spectrum of lenders that can help consumers in a wide variety of situations. Since there is very little information that you have given us, I would suggest that you fill out an application and see what we can do for you.

]]> By: George Terzis http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3833 George Terzis Sat, 09 Jan 2010 16:58:26 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3833 HELP!!! My car just broke down and it costs more to fix it then the cars worth, and a have a 14 year old son who needs a dad that has a car! HELP!!! My car just broke down and it costs more to fix it then the cars worth, and a have a 14 year old son who needs a dad that has a car!

]]> By: Dave LaLonde http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3465 Dave LaLonde Thu, 24 Sep 2009 13:32:33 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3465 Melanie, We cannot tell if we can help or not with the information provided, that's why we require a complete credit statement. There are variables to consider such as job time, disposable income, debt to income and payment to income ratios, total cost of vehicle ownership including auto insurance, the equity position of the loan, loan to value, not to mention down payment and items listed on your credit report. Most everyone will qualify for a lending program, however, the approval may limit vehicle selections and require a cash down payment based on the approved loan to value amount. Melanie,
We cannot tell if we can help or not with the information provided, that’s why we require a complete credit statement. There are variables to consider such as job time, disposable income, debt to income and payment to income ratios, total cost of vehicle ownership including auto insurance, the equity position of the loan, loan to value, not to mention down payment and items listed on your credit report. Most everyone will qualify for a lending program, however, the approval may limit vehicle selections and require a cash down payment based on the approved loan to value amount.

]]> By: melanie http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3458 melanie Wed, 23 Sep 2009 19:41:27 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3458 i have one child two jobs and a sick father my mom cant drive and i have to take my dad back and forth to the drs.. i have to hitch a ride to and from work and back and forth to take care of my errans and my parents banking and shopping my car broke down with 222,000 miles.. i dont want to keep putting money in to this clunker can you please help me.. i have one child two jobs and a sick father my mom cant drive and i have to take my dad back and forth to the drs.. i have to hitch a ride to and from work and back and forth to take care of my errans and my parents banking and shopping my car broke down with 222,000 miles.. i dont want to keep putting money in to this clunker can you please help me..

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3330 Steve Cypher Fri, 28 Aug 2009 18:02:56 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3330 Brandi, Since you don't have money for a down payment (something that a "buy here pay here" dealer will absolutely require), you might want to check to see if there is a "rent to own" dealer in your area. Brandi,

Since you don’t have money for a down payment (something that a “buy here pay here” dealer will absolutely require), you might want to check to see if there is a “rent to own” dealer in your area.

]]> By: brandi http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3289 brandi Wed, 19 Aug 2009 12:19:43 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3289 I want and need a car desperately! I have a co signer but come to find out his credit isn't that much better than mine!! I don't have money to put down! I'm tired of public transportation I have two jobs my own place and in college! Help me please I want and need a car desperately! I have a co signer but come to find out his credit isn’t that much better than mine!! I don’t have money to put down! I’m tired of public transportation I have two jobs my own place and in college! Help me please

]]> By: Steve Cypher http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3226 Steve Cypher Wed, 12 Aug 2009 19:10:53 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3226 Jamie, If you have no money down, you are going to have a very difficult time finding a buy here pay here dealer - which is the only kind that doesn't do a credit check - to sell you a car. They generally want a large down payment and your '92 Cadillac is not worth very much as a down payment. Since the Cadillac qualifies as a "clunker", your best bet would be to go to a volume dealer (Chevrolet, Kia, Hyundai) and see what they can do on a deal with an entry level car (Aveo, Rio or Accent) Jamie,

If you have no money down, you are going to have a very difficult time finding a buy here pay here dealer - which is the only kind that doesn’t do a credit check - to sell you a car. They generally want a large down payment and your ‘92 Cadillac is not worth very much as a down payment.

Since the Cadillac qualifies as a “clunker”, your best bet would be to go to a volume dealer (Chevrolet, Kia, Hyundai) and see what they can do on a deal with an entry level car (Aveo, Rio or Accent)

]]> By: Jamie http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3225 Jamie Wed, 12 Aug 2009 18:12:21 +0000 http://www.autocreditexpress.com/blog/2007/09/26/tote-the-note-%e2%80%93-we-finance-everyone-car-dealers/#comment-3225 I have a 1992 cadillac eldorado V8 4,9 L engine, runs good and has many new parts on it and also has 167k.... I been trying to sell it or trade it in on something, if possiable....I dont have really good credit and no money down at the moment....But work 2 jobs for the past 2 months almost, is there anyone that knows where I could trade my car in with no money down and no credit check, please let me know. thanks!!! I have a 1992 cadillac eldorado V8 4,9 L engine, runs good and has many new parts on it and also has 167k…. I been trying to sell it or trade it in on something, if possiable….I dont have really good credit and no money down at the moment….But work 2 jobs for the past 2 months almost, is there anyone that knows where I could trade my car in with no money down and no credit check, please let me know. thanks!!!

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