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Car Loans for Bad Credit : (253)353-2769

Auto loan specialists helping people with bad credit buy a vehicle and start rebuilding their credit.

Archive for the ‘Credit’ Category

Why do Auto Lenders ask for References?

Monday, February 8th, 2010

Studies have show that the more references that a borrower has, the better credit risk the borrower is. Why? There are actually several reasons, but the most obvious is collect-ability.
Why do references make my loan more collectible?
At the risk of answering a question with a question, what do you think happens when you are late for an [...]

Got a Pre-Approval in the Mail? Read the Fine Print.

Thursday, November 19th, 2009

Sound too good to be true? It should, because it almost always is. Unless you have REALLY good credit, those pre-approvals you get in the mail for auto loans are bogus. There is typically 2x-3x as much text in the disclaimer area of the mailer than there is on the main advertising area.

Vehicle Purchases are Subject to Lender Approval

Friday, October 30th, 2009

Every state has its own laws regarding vehicle purchases. However, one thing remains constant. Any dealer that you might consider buying a car through will have a provision on their purchase order, on their contract, or in an addendum to the contract and purchase order that basically says the purchase is only valid if they [...]

Why Many Auto Dealers Avoid Bad Credit

Tuesday, October 27th, 2009

Anyone that has watched the news knows that hundreds of lenders across the country have been forced to shut down. That is especially true with lenders that deal with sub-prime borrowers.

Changes for Chapter 13 Auto Loans in WA

Thursday, October 1st, 2009

We have been helping people buy vehicles while in a Chapter 13 Bankruptcy for several years now. We have always needed to get a letter that gave the debtor permission to buy a car and incur a new debt. Usually the letter would say something like “Debtor may purchase a vehicle providing that the amount [...]

Consumer Protection for Auto Lending – Bad Idea

Sunday, September 27th, 2009

If you do not have perfect credit, you need to read this article.
The government is considering creating a consumer protection agency that would seek to regulate lending for car loans, home loans, credit cards, and so on.
Some of the ideas sound great, in theory. Lower interest rates on auto loans and credit cards, sure. Who [...]

Can Co-Signing for a Car Loan Ruin My Credit?

Saturday, September 26th, 2009

Yes, Your Credit is at Risk.
If someone asks you to co-sign for them on an auto loan, think long and hard about it. By choosing to be the co-applicant

Choose a Secured Credit Card for a More Secure Financial Future

Saturday, August 15th, 2009

When credit cards first came into existence there was only one type, the unsecured credit card. If you had good credit and passed all of the relevant criteria

Why Credit Bureaus are Wrong

Thursday, August 13th, 2009

Why is my credit still bad?
So you paid all of your collections, your old credit cards that were once charged-off are now paid-off or settled. Why does your credit report still look like you have never paid anyone in your life? The reason is the old creditors do not really care about making sure your [...]

Secured Credit Cards Help Build Credit

Tuesday, July 14th, 2009

Secured credit cards are a great way to both build and re-establish credit. You set your own limit, and there is usually a VERY reasonable interest rate. Check out all these secured credit cards through Credit.com.
These secured credit cards will report to your bureaus, show your on time payments and intelligently using them will increase [...]

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