Author Archive: Steve Cypher
Tech Savvy Cars for Problem Credit Buyers

Consumers should always be conscious of price when picking out a new car, especially if they’ll be financing it with a subprime auto loan. But it’s also good to know that even budget-conscious buyers now have the opportunity to finance a new car equipped with some of the latest technologies.

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Title Washing on the Increase

With the practice of title washing on the rise, consumers, especially those with credit issues, should be careful where they shop when buying a used car. In addition to requesting a Carfax or some other brand of vehicle history report, car shoppers should have any vehicle they serious about buying inspected by a certified master mechanic as well as a body and frame specialist.

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Auto Recalls and Bad Credit

The new tool introduced on the NHTSA web site should help both car buyers and owners, including those with less than perfect credit, by ensuring the vehicles they drive or plan on purchasing are as safe as possible and subject to no open recalls.

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Honda Extends Carfax Certified Used Car Program

By offering certified used cars with a free vehicle history report, Honda continues to give consumers with less than perfect credit even more peace of mind – which is always a good thing.

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Auto Loan Delinquencies Rise

With the increase in subprime car loan delinquencies and repossessions, subprime lenders will certainly be taking a closer look at applications and, in the long run, may be pulling back on the number of loans they approve. By following our tips, applicants will give themselves a better chance for an approval.

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FICO Score 9 and Medical Collections

The newest FICO scoring model will penalize consumers with medical collections less than it has in the past. But it will take time to be implemented and, in any case, borrowers, especially those with credit issues, should continue to practice the fundamentals of good credit.

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Bad Credit and Rental Payments

The new ResidentCredit program from TransUnion is a step in the right direction as it has the potential to help millions of

consumers with problem credit expand their credit history as well as raise their credit scores. We only wish the program embraced all renters – not just those living in complexes with 100 or more units.

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