Category: Bad Credit
What Are My Options If I Have Really Bad Credit

Having a low credit score makes it incredibly difficult to get approved for a car loan. While those with scores above 500 may still be able to find a loan with a subprime dealer, individuals who have scores of 480 or lower commonly find themselves out of luck in even the subprime region of lending. How can a car buyer with a 480 credit score get a car, then? There are actually two options available: a Buy Here Pay Here (BHPH) or a Rent-to-Own (RTO) car dealership. These two types of dealers focus more on your ability to pay – not your credit.

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Buying a Car after Divorce

A divorce can be a potentially devastating event for all parties involved. It can strongly affect participants both emotionally and financially, and getting yourself on your feet after a divorce is no easy task. For example, how do you go about buying a car with post-divorce damaged credit?

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A Good Time to Buy a Car if Your Credit Isn’t Great

The latest report from Equifax is positive news for car buyers with bad credit. But at the same time, these buyers need to be familiar with their credit situation, come into a loan with at least ten percent down and keep the loan term as short as possible to ensure success.

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Concerns About Buying a Car and Bad Credit

Looking for a vehicle is a big deal. In fact, taking out an auto loan is one of the biggest financial commitments people make. So, what happens when you need a car but are experiencing issues with your finances? We have some answers that may ease your mind.

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How Long Will Certain Negative Items Affect My Credit?

If you’ve have experienced events that have led to bad credit, you may be wondering just how long these events will remain documented on your credit report.

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Finding the Right Dealer for YOU

Anna is a divorced mom of three who has been in the market for a used van to accommodate her kids and the family dog. When she was married, Anna had a shopping problem that led to some bad spending habits. 5 years ago, she and her now ex-husband had to file for a Chapter 7 bankruptcy, and she has since been in recovery mode. A job promotion and careful budgeting have allowed her to improve her credit a little, but her 620 FICO score is still considered subprime.

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Can I Still Get Auto Financing If I Have Collections on My Credit Report?

We know how hard it is when you are dealing with past due collections or currently resolved debts. When the time comes to make a purchase on an automobile, approval through a traditional dealership financing program can be difficult or impossible because of the negative marks on your credit report.

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