Regardless of your credit profile Auto Credit Express can help. Use the following examples to determine your credit profile.
Consumers with good credit will have demonstrated a "paid as agreed" credit history for at least three years. "Unapplied for" derogatory items on the credit report such as medical bills, and civil judgments from non-creditors are often ignored.
Good Credit Consumers have had "paid as agreed" installment credit such as a mortgage or an auto loan within the last three years. Major derogatory items such as a repossession or bankruptcy should have happened over three years ago.Apply for a Good Credit Auto Loan Fair Credit
Consumers with fair credit history will have demonstrated a "paid as agreed" credit history for at least two years. They may have an occasional late payment.
Consumers without a "paid as agreed" installment credit such as a mortgage or an auto loan within the last two years should have substantial good revolving credit. Major derogatory items such as repossession and bankruptcy happened over eighteen months ago.Apply for a Fair Credit Auto Loan Situational Bad Credit or Slow Pay
Consumers with a situational credit problem. You can usually identify a significant economic disaster or event that caused the credit situation. For example:
Consumers with little or no applied for credit. May have numerous unapplied for charge-off accounts such as bad checks, unpaid medical bills and utility bills, small unpaid charge accounts, and unresolved repossessions over two years old.Apply for a Bad Credit Auto Loan Really Bad Credit
Consumers with credit problems that cannot be isolated to a single event. A long term history of bad credit. For example: