Author Archive: Steve Cypher
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.

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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.

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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.

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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

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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.

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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.

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How Long until a Used Car is Worthless?

Although the MojoMotors study is a broad look at vehicle value, it’s interesting to see how the various manufacturers stack up against each other and how closely the results match up with the perceived value of each brand.

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