Posted by Dewey Kearney on December 5, 2011
People are always looking for a good deal when shopping for a car. And if your credit is not so good then of course you’re thinking that the year-end specials might be the best way for you to get auto financing.
As a former car salesperson I can tell you that
- Yes – there are a lot of good deals on new (last years model, but still new) vehicles at specific times of the year (December and March usually)
- No – this might not mean that you can get auto financing from a traditional lender if your credit isn’t so good. Having a blowout sale does not make your credit score suddenly look appealing to a dealership or bank
If you’re willing to take what the dealership has on the lot (last years remaining models, remember) and not complain that it doesn’t have some feature you really wanted then you can get some bargains for sure. And this can work in your favor if you have bad credit.
Why? Because of the major discounts offered the vehicles are being sold for much less, which makes that more attractive to a lender. The less they have to finance a credit challenged person, and the more reliable the vehicle being bought, the happier the bank. But it’s still better to be financed through a lender that specializes in bad credit car loans, dealerships are notorious for packing on a few extra percentage points when you finance through their banks. Pre-approval makes sure this doesn’t happen to you.
If you’re looking to finance a vehicle but your credit score isn’t so hot then I recommend you look at getting pre-approved auto financing from a lender that says they specialize in bad credit. We have three that we recommend because they’ve been stellar all this year getting our readers financed time and again.
We also have several articles on our website written by my partner who used to sell cars at one of the major dealerships here in Phoenix. I encourage you to read those and then you will know how to get pre-approved auto financing, and how to gain the upper hand when car negotiating, making your car buying experience fun!
Let us help you get that new car that you need and want as a Christmas gift for yourself and your family. There are some great end-of-year deals to be had so get yourself pre-approved and go shopping!
FOR A LIST OF OUR BAD CREDIT AUTO LENDERS CLICK HERE
Posted by Dewey Kearney on November 16, 2011
I ran into a friend of mine yesterday that I had not seen in about five years. I had heard from other acquaintances that he had been out of work for awhile. It was one of those cases where I meant to call but just kept forgetting. After talking for about 20 minutes he said, “You know Dewey; I have started a new job and I just want my life back”.
It seems to be a common thing these days; so many people seem to have credit troubles. Many times they need a car loan and need auto loan tips for the best rate or how to calculate car payments. Many people need help in removing bad credit items from their credit reports. There is so much misinformation going around that we want you to know that we have done our homework and have found companies who are the best to help people get credit now.
If your credit has too many negative items on it getting a conventional auto loan won’t be easy. You need to work with a bad credit lender who specializes in helping folks get a car loan payment that you can afford. If your credit report has a lot of negative items that are outdated or wrong you have the right to challenge these items and have them removed. Can you do this yourself? You can try but in the last 8 years I have been writing this blog I haven’t found but two people who have been successful.
However there is a solution. Lexingtonlaw is a general practice law firm that specializes in credit recovery and has the best track record of anyone. And if they don’t perform it costs you nothing. Is it expensive? Absolutely not! A small down payment and small monthly payments and most people have watched their credit score go up 200 to 300 points as these negative items disappear.
If you are ready to begin rebuilding your credit score then the very best thing you can do is get started today! You need to contact Lexington Law TODAY. This is a service that you need! Get your credit report cleaned up and start 2012 right!
If you haven’t been to our website: www.1-800BadCredit.com check it out – It has been newly revised. It’s has some great resources!
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Posted by Dewey Kearney on November 8, 2011
With the current economic situation a family or individual cannot afford to have a low credit score. Especially if this low credit score is caused by negative items that are wrong or outdated. If the reported items are accurate that is another thing but 9 out of 10 people have many errors and if you get those removed your credit score will improve radically.
I read a lot, and research is something I enjoy. I have read so many “experts” who say “you can remove these items yourself and save money”, – REALLY! Anyone can write a credit dispute letter but getting results are what counts. You want real credit recovery not pipe dreams. When these erroneous negative items are challenged and proven wrong the credit reporting agencies are supposed to investigate and remove these items. However in the real world it doesn’t happen. Mostly because the dispute isn’t worded correctly or the right kind of supporting documentation isn’t provided.
Then what can you do to get these items removed? If you really want real credit recovery you can let an expert firm like Lexingtonlaw do it. With those items removed a credit score in the HIGH 600’s or higher is easily obtained. It certainly is possible for a credit score even in the 300 range can be brought up to the 700’s. With Lexington Law this happens every day. LEGALLY!
Lexington Law has been in the business of helping people that need credit correction for 20 years and to date have removed over 500,000 negative items from their clients credit reports. One of the testimonials I found on their website was from a client that had tried the “do it yourself” route without results. They then hired another firm and spent lots of money on them without results. Then they found out about Lexington Law and decided “why not go with the best” and their testimonial reported that within one month they got results!
Rather than tell you what these people said let me just give you two or three real life testimonials from actual clients:
“I’m sure you hear this all the time but I couldn’t stop singing songs of praise to the staff at the Lexington Law Firm. I got an updated copy of my Experian Credit Report today and I was so happy I started jumping up and down in the driveway. They deleted six out of nine negative entries — and in less than two months — now that’s what I call SERVICE. I can’t wait to see the negative entries fall off my other reports as well! Thanks a million!”
— A., Lexington client*
“I am very happy with the results that your firm has provided for me. I am now able to get loans and credit cards that were impossible for me to get earlier without your help. I am now able to get low and reasonable financing terms because of my new credit. I have had a total of fifteen deletions and I thank you for helping me not have to wait seven years before I am able to start over again with my credit. Thank you.”
— K.C., Lexington client*
“I wanted to take a moment to say thanks for your diligent work on my behalf. Because of your efforts, my credit score has increased by more than 200 points!!! Keep up the GREAT WORK!! Thank you very much.”
— C.M., Lexington client*
Lexington Law had hundreds of testimonials on their site from real people. Isn’t it time you got the credit you deserve and need? Click here for the Lexington Law site and sign up for some real credit relief. What a Christmas gift you will be giving yourself and your family.
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