It would be great if a wave of a magic wand could fix your credit overnight. And while that can't happen, there are steps that you can take to accelerate the recovery of your good credit.
Continue ReadingIt would be great if a wave of a magic wand could fix your credit overnight. And while that can't happen, there are steps that you can take to accelerate the recovery of your good credit.
Continue ReadingIf you have damaged, credit, a certified pre-owned vehicle may be a good option for you to consider. While you will pay a little more than you would for a regular used car, the peace of mind that you will get from the purchase may be worth the higher price tag.
Continue ReadingNegative equity, or being upside-down in a loan, can cause quite a predicament if you decide that you want to sell a car that has a lower value than what you still owe on the loan. The best way to deal with negative equity is to take preventive measures right in the beginning. However, if you find that you are upside-down in your loan, there are still actions that you can take.
Continue ReadingHaving a cosigner can improve your loan approval chances, but if you either don't have a cosigner or wish to avoid using one, there are other actions that you can take to ensure your success in acquiring auto loan financing. If you have time to improve your credit before buying the car, this will be beneficial both now and in the long term.
Continue ReadingGoing through a bankruptcy can leave you feeling like you will be cursed with high interest rates for life, due to the damage that has been done to your credit score. This simply isn't true because time really does heal all wounds, even financial ones. And under the right circumstances, you may start to qualify for better loan terms sooner than you think.
Continue ReadingSometimes your decision to buy a car is based on immediate necessity, and if this is the case, you're going to want the process to go as quickly as possible. You're looking for an expedited loan approval, and you may very well be able to get just that. Everything is just going to depend on the current state of your credit and how well you are prepared.
Continue ReadingWhile it may be tempting to use your tax refund as a down payment on a new car, is this really the best option for right now? If you have unpaid debt, you may be doing yourself a huge favor by using your extra cash to pay what you owe. Your credit score will thank you.
Continue ReadingNobody wants to file for bankruptcy, but sometimes it is inevitable. And anyone who reaches the point where bankruptcy seems like the only viable solution to their financial problems must choose which type of bankruptcy fits their needs best: Chapter 7 or Chapter 13? The differences between the two will make the choice clear for most people.
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