Category: Bad Credit
Why Don’t All Car Dealerships Work with Bad Credit Car Buyers?

If your credit is bad and you have been looking for a car to buy, you’ve likely run into problems finding a dealership that is willing to help you. And that can be extremely frustrating, especially when you need a car now.

Not all dealers are signed up with lenders who offer bad credit car financing. Choosing what lenders to work with is a big decision, and sometimes cannot be made by individual dealerships themselves. It needs to be done right, with the proper documentation. If not, the financial loss for all parties involved could be disastrous.

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If I Have Bad Credit, Do I Have to Buy a Used Car?

Not all bad credit is the same. There is “Good-Bad” credit and “Bad-Bad” credit. This can make all the difference with bad credit car buying.

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The Approval Process with Bad Credit

Since subprime lenders typically only do business indirectly through their dealership partners, applicants with less than perfect credit won’t know if they’re approved until after they’ve visited the dealership, been interviewed by the finance manager, turned over the required documentation and had their credit application submitted to a lender.

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What is Account Re-Aging?

Account re-aging is a practice that not everyone is aware of, but it could affect your financial life if you have unpaid debt. It involves changing the dates that are associated with a delinquent account, and it can be beneficial or detrimental, depending on the situation.

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How Should I Handle Old Debt?

Not everyone knows that debt has an expiration date, but it does. Old accounts are subject to statutes of limitations that vary from state to state. However, this won’t stop debt collectors from pursuing payment, even after the debt is too old to be legally claimed. Also, the clock can be reset on delinquent accounts if any new activity occurs.

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Survival Tips for Bad Credit Car Buyers

Having bad credit doesn’t mean that you should expect unfair treatment from a car dealership. With the right knowledge and a little planning, you can put yourself in the right position to receive the best deal possible. And if you put your trust in the experts at Auto Credit Express, we’ll make sure that your auto buying experience is easy and enjoyable, regardless of your situation.

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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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