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Category Archives: General

Will a Down Payment Help Me If I Have Bad Credit?

Having a down payment ready will always benefit you when you are buying a car, regardless of your financial history. However, when you are dealing with a tarnished credit background, it may not be worth your while to work with a traditional car dealer even if they can approve you for a down payment. You need to work with a dealer who has qualified experts in subprime auto finance. Continue reading

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Increase Your Car Buying Potential in 5 Easy Steps

Buying a car can seem like a daunting task, especially if you have damaged credit. You may be worried about several things: Will you end up getting a bad deal because of your credit history? Could you get in over your head with a vehicle that you can’t really afford? Will you even be able to get approved for financing at all? The good news is that following a few simple measures will give you the advantages you need to make your vehicle buying experience virtually stress-free. Continue reading

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How to Stay Sensible When Choosing your Next Car

When you walk into a car dealership, you may feel like you are entering a whole new world of possibilities. You will be surrounded by many attractive options, not to mention salespeople who will be more than willing to give you a thousand reasons to buy that awesomely impractical sports car. How can you keep your head on your shoulders in the middle of all this? Unless you have an unlimited budget, you may want to consider a few factors before going off to buy your new vehicle. As an informed shopper who is aware of what your spending limit is, you will be far less likely to make an impulse purchase that may later be regrettable. Continue reading

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Should Lower Gas Prices Affect My Next Vehicle Purchase?

It’s been about a year since Americans dealt with high ($4+ a gallon) gas prices. Since then, prices of regular gas at the pump have declined and are now averaging around $2.70 per gallon in the U.S. Because of the downward trend, car buyers have started to steer their eyes and wallets towards large trucks and SUV’s again. But is it really time to do that? Realistically, it comes down to a couple of boring yet practical questions: How badly do you need a bigger vehicle, and can you handle the expense if fuel prices rise again? Continue reading

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Why is Maintaining an Emergency Fund So Important?

Setting money aside for potential emergencies is a very important practice for anyone who is interested in protecting their finances and credit reputation. In life, it pays to be prepared, and always having enough cash in your savings to cover the unexpected bill will save you from falling behind in your payment obligations. Continue reading

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Can I use a Credit Card for a Down Payment on a Car?

Credit cards can be a blessing. They give you the ability to make large purchases without having to prepare a fund in advance, as well as get through emergencies. If a dealership allows you to, you may be able to charge a down payment to a credit card. But, will you be able to afford the monthly credit card payments in addition to the expenses that will come with ownership? That credit card can end up being a curse. Continue reading

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Does the IRS Report Tax Debt to the Credit Agencies?

Typically, the IRS doesn’t report tax debt under $10,000 to the credit reporting agencies. If you owe more than that, they will file a Notice of Federal Tax Lien. Once they do this, it will appear on your report and damage your credit. Continue reading

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