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Author Archives: Steve Cypher

Getting Approved with a Part Time Job

Most subprime lenders will consider income from a part-time job, as long as it meets their minimum requirements. However, borrowers with poor credit should keep in mind that no matter how many part-time jobs they have, the qualifying part-time income must come from just one of those jobs. Continue reading

Posted in Auto Loans |

10 Least Expensive Cars with a Rearview Camera

When given the chance to finance a new car, we always that suggest credit-challenged buyers pick one that’s affordable. But in the case of these ten vehicles, buyers needn’t sacrifice safety for price. Continue reading

Posted in New Cars |

Halloween and Car Thefts

Vehicle theft is more than an inconvenience – it can cost car owners both time and money especially if the insurance company only covers the vehicle’s replacement cost of a stolen car – not the balance owed on the loan. By following the tips suggested by LoJack, owners can reduce the chances of becoming victims of car theft and really have a Happy Halloween. Continue reading

Posted in Car Insurance |

2014 Financial Literacy Check Up

Financial literacy begins with understanding personal finance, setting a budget, putting aside savings and knowing your credit scores and the information contained in your credit reports. Continue reading

Posted in Credit Repair |

Buying a Rental Car with Problem Credit

Used rental program cars offer a fourth option for credit-challenged buyers. Consumers should know the fair market value, take a test drive, review the vehicle history report as well as have the vehicle they’re buying inspected by an ASE Certified Master Mechanic as well as a frame specialist before signing on the dotted line. Continue reading

Posted in Used Cars |

Obama Says Check Your FICO Scores

To begin with, knowing your credit scores is important. If you doubt that’s true, just ask the President. Secondly, the FICO Score Open Access program, once it becomes more widely available, could certainly help all consumers – even those with poor credit, as this would allow borrowers to see the same credit score that lenders use to manage their accounts. Continue reading

Posted in FICO score |

Paying Taxes on a Repossession

Borrowers having problems paying their car loans should call the lender and explain their situation. Not only is repossession is a black mark on their credit reports – often preventing them from getting a car loan for at least a year, it could end up costing them hundreds if not thousands of dollars in taxes owed to the government. Continue reading

Posted in Credit Repair |

Is Buying a Program Car a Good Deal

Although there typically aren’t many of them available, executive-driven program cars offer a third viable option for credit-challenged borrowers wishing to finance a used car. Buyers should be sure to verify this with a vehicle history report as well as have any vehicle they’re considering buying inspected by an ASE Certified Master Mechanic as well as a frame specialist. Continue reading

Posted in Used Cars |

Buying a Demo Car

Purchasing a demo car is a great way to save even more on a new vehicle. Just be sure it hasn’t been titled or damaged and that the additional discount for mileage is fair. Continue reading

Posted in New Cars |

Best in Resale New Cars for Credit Challenged Buyers

Borrowers, especially those with past credit issues on tight budgets, should never confuse price with cost. Price is what you pay for a vehicle while cost includes the overall expenses including gas, insurance, maintenance and depreciation. Continue reading

Posted in New Cars |
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