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Author Archives: Steve Cypher

How Claims Affect Car Insurance Costs

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

Posted in Car Insurance |

Best Resale Value Cars for Borrowers with Bad Credit

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

Posted in New Cars |

Ally Financial to Offer Free FICO Scores

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

Posted in FICO score |

Best New Car Buys with Poor Credit

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

Posted in New Cars |

Down Payments with Bad Credit

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

Posted in Auto Loans |

8 Sub-Zero Car Care Tips

In most parts of the U.S. we know it’s coming, but we’re often not prepared when it suddenly hits. We’re talking about cold winter weather and cars. Even though we know it will happen, over the summer months we often forget that frigid temperatures are particularly hard on vehicles in the northern tier of states. Continue reading

Posted in Car Maintenance |

Why There’s Bad Credit in Good Times

Given these facts, perhaps it’s not so surprising that many people experience financial problems, even in good times. Continue reading

Posted in Bad Credit |

Experian adds FICO Scores

For Experian members, the addition of FICO scores marks the beginning of a series of product enhancements that will take place over the next 18 months Continue reading

Posted in FICO score |

Getting Financed if You’re Paid in Cash

Unless they report all of their income, credit-challenged consumers who get paid under the table will find it very difficult getting approved by a subprime lender. But there are acceptable alternatives including paying cash as well as getting financed with a BHPH dealer that reports to the credit bureaus. Continue reading

Posted in Auto Loans |

Watch for your W-2

The New Year brings with it, in many cases, additional requirements for subprime auto loans. This means that borrowers with credit issues should typically be prepared to furnish the previous year’s W-2 in addition to their most current pay stub. Continue reading

Posted in Auto Loans |
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