Consumer Car Buying Advice Blog

One of the most important decisions bad credit consumers can make is where to apply for a bad credit car loan.

Our mission

At Auto Credit Express we’ve spent nearly 20 years dealing with consumers who have bad credit and helping many of these same individuals raise their credit scores and reestablish their car credit by financing a vehicle with a bad credit auto loan. At the same time, we try to educate our applicants on the loan process, since a bad decision at the outset can potentially lead to visiting the wrong dealer and failure in obtaining a car loan.

As with anything else, the key to a successful bad credit car loan is focusing on the basics and today we’re going to focus on finding the right web site where you can apply for a loan.

Internet marketing

If you have bad credit and go on the internet to apply for an auto loan, there is at least one thing you should be aware of: Even with bad credit, you are, in a sense, in the driver’s seat. You have information that other people want. Dealers across the country are competing for your information so that they can sell you a car. Today, there are literally thousands of dealers that are able to help consumers with credit problems.

Due to the increase in demand, both from consumers with bad credit trying to buy a car and from dealers competing for extra sales, a new middle man has arisen – the internet marketer. How, then, can you tell which internet marketer is someone that you’d want to deal with?

Rule Number One

If you give something up, you should expect something in return. Consider it a form of online bargaining, in real time, with the website you are visiting. What are you giving up at a bad credit car loan application site? Well, you’re supplying the web site with your name, your social security number, your date of birth, and your monthly income at the very least. Before giving up your personal information, what should you expect?

You should expect the site to furnish you with truthful information such as:

• How much can you borrow?
• What are the rules?
• Can you finance a vehicle through a private purchase?

Also, does the site have a toll free phone number with a live operator that’s available during normal business hours?

The most important rule: Who owns the website?

To find out who owns the website visit a domain registrar such as:*

http://www.networksolutions.com,

http://www.register.com, or

http://www.godaddy.com.

* On any of these sites look for a link titled WHOIS (pronounced “Who Is”, in other words, “who is the web site owner”)
* After clicking the WHOIS link enter the site domain and you should find the website’s owner information. Keep reading and we’ll show you how this works and what you should look for.

Finding the web site owner

Not long ago, we visited the Google <!– /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:”"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:Arial; mso-fareast-font-family:”Times New Roman”; mso-bidi-font-family:”Times New Roman”;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} –> ® search site and ran a search for bad credit auto loans. The search returned the following results:

On the search engine results page there were a number of sponsored ads displayed along the right side of the page, and their messages were:

We-Finance-Bad-Credit.com
Zero Money Down 100% Bank Financing New & Used Cars Vans Suv’s & Trucks

FundingWay.com
Qualify for up to $25,000. Same day Approvals. No Money Down options.

www.Auto-Loans.com
Apply online and get approved today for a low rate loan. Bad Credit OK.

In order to find out who owns these sites, you can visit one of the registrars mentioned above and look for the WHOIS link. Once you do that, you’ll see this information:

We-Finance-Bad-Credit.com – registered to Domains by Proxy
FundingWay.com – registered to Auto Credit Express
Auto-Loans.com – registered to Domains by Proxy

Who is Domains by Proxy?

According to the WHOIS lookup, two of the three websites are owned by Domains by Proxy. Who is Domains by Proxy? Visit their site and you will see who they are. First and foremost, their slogan is:

Your identity is nobody’s business but ours. <!– /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:”"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:Arial; mso-fareast-font-family:”Times New Roman”; mso-bidi-font-family:”Times New Roman”;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} –> ®

Why would a site owner want to hide their identity? How can you contact them? According to the Domains by Proxy website you would have to subpoena them before they would give out the information of the site owner.

What this means is that you cannot find out who owns the other two sites. Knowing this, you really have to ask yourself, “What are they trying to hide?”, “Why don’t they want anyone to know who they are?” and lastly “Do I really want to give my personal information to someone who won’t tell me who they are?”

As we see it

Most of us wouldn’t blindly walk into a store with no name and give the clerk our personal information. But that’s exactly what you’re doing when you do business with a web site that displays no contact phone number and hides the information of its owner by using Domains by Proxy. At Auto Credit Express, we not only furnish you with our company name, we also list our toll-free number on our web pages.

For nearly 20 years, Auto Credit Express has been helping people with credit problems get approved for new and used car loans. Our dealer affiliates work with a broad spectrum of bad credit auto loan lenders to get you approved. Since our inception, we have processed over 1,000,000 online bad credit auto loans and closed over 1 Billion dollars in auto loans.

For more information, please visit www.autocreditexpress.com to see what we can do for you.

Tags: bankruptcy, better business bureau, car loan quote, credit monitoring, credit score, free car loan quote, honda, poor credit

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