Author Archive: Steve Cypher
More Good Karma for your Credit

While it’s still not perfect, one free credit score is better than none at all and it should give borrowers an idea of where they stand, credit-wise. Adding the ability to view credit reports at any time makes an even stronger case for consumers to sign up with Credit Karma.

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The Ten Cheapest New Cars for August 2014

When credit-challenged buyers are given the option of financing a new car, choosing something from this list will enable them to enjoy the benefits of a new car warranty while keeping the payments within their budgets

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FICO Score 9 to Narrow Credit Score Differences

Both discrepancies and differences in data can cause consumer’s credit scores to differ from credit bureau to credit bureau. According to FICO, FICO Score 9 should make the credit scores among bureaus more consistent.

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New FICO Score Could Help Poor Credit Borrowers

The newest FICO score will help borrowers with problem credit in at least three ways. For one, it will lower the impact of

unpaid medical collection accounts. Secondly, it will ignore collection accounts that have been paid. Finally, it will more

accurately assess consumers with limited credit and checkered payment histories.

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Is August the Best Month to Buy a New Car?

Contrary to popular belief and at least according to the information gathered by TrueCar, the best overall month to buy a new car is the month of August. Credit-challenged buyers might also want to examine their loan term versus the length of the new car warranty and stop to consider whether or not purchasing additional warranty coverage might be to their benefit.

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Preparing for a Subprime Car Loan

A little preparation up front can save a lot of exasperation in the long run when it comes to applying for a subprime car loan.

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Best Certified Used Cars for Poor Credit Buyers

Car buyers, especially those with blemished credit, should never confuse price with cost. The price is what you pay for a car, while the cost includes all the expenses involved over the course of ownership.

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