Bad credit car loans. Who ever heard of such a thing? They don’t give out loans to people with bad credit… do they? Yes, they do. And if you’re one of the millions of people in America today with not-so-great credit, you can let out that sigh of relief. It’s true. Even with bad credit, […]

There are literally thousands of websites that can be found when you do a search for “How to fix my credit score.” What most of these sites don’t tell you are the elements that actually comprise your credit score. When you know how each of these components affects your score, it can be easier for […]

Getting an auto loan may seem like a pipe dream for many Americans out there who have poor or bad credit. But owning a car is a privilege not a right in this country, so knowing where you stand before you decide to apply for an auto loan will help you to make the whole […]

Raising your credit score may seem like an impossible task if you have bad credit. But in this post-crisis economy having good credit isn’t just a nice thing to have, it is essential if you want to get back on an even playing field with lenders. To make things perfectly clear, if you aren’t in […]

According to the Fair Credit Reporting Act (FCRA), every individual in America is entitled to a free credit report from each of the three nationwide consumer reporting companies- Equifax, Experian, and TransUnion. In other words, you can get 3 free credit reports a year; one from Equifax, one from Experian, and one from TransUnion. You […]

Subprime. It’s a word that has been heard a lot over the past few years, but not many people actually know what it means. Subprime is a term used to define a specific group who are considered the riskiest borrowers in the financial lending world. Although there is no set credit score attached to subprime […]

Having a bad credit history can be a possibly problematic situation if you are looking to buy a new or used car. Because of tarnished credit histories, most lenders tend to shy away from borrowers who have exhibited a tendency towards late payments or those who have defaulted on loans in the past. However, finding […]

We’ve all seen the television commercials with the catchy jingles that tell you if you don’t check your credit score you will be denied for loans or financing and wind up driving a beat up old car, or living in your parent’s basement, or using a cell phone that was discontinued in 1991. These ads, […]

If you live in America today I’m sure you’ve recently seen or heard an auto dealership advertisement that exclaims, “Bad credit? No credit? No problem!” Some of these ads may seem hokey in their claims, but if you are someone who does have bad credit and is looking to get a car loan, there is […]

Most people have seen or heard commercials that advertise websites to check your credit report. What most people don’t know is that your credit report does not include your credit score. Your credit report is more of a snapshot of your credit history that includes personal information, what kinds of credit you use (mortgages, credit […]