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Getting Financed for a Car with Questionable Credit

Consumers with bad credit that have applied for a regular car loan sometimes find the FICO reason codes in the “adverse action notice requirements” they receive confusing. But this is an improvement over the old system.

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Increase your Approval Chances for a Bad Credit Auto Loan

As part of the recently enacted financial reform bill, any lender that sends you a risk-based pricing notice (whether you’re approved or turned down) has to include, according to FICO, “The key factors or reason codes that adversely affected the credit score, with a requirement to disclose five “reason codes” any time inquiries are a “key factor” that adversely affected the score.”

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