Washington Auto Credit actually means we are in Washington

The site has been up a few years now, and we seem to be doing quite well in terms of search engine rankings and traffic. We have been so successful at attracting users on the Internet that we receive several applications a day from outside of the State of Washington. That is fine, we still [...]

Are Extended Warranties Worth the Cost?

The Case for the Extended Warranty
While many manufacturers are offering longer warranty coverage on their vehicles, the debate about buying an extended service contract when purchasing a used car has resurfaced.
At Washington Auto Credit we suggest using common sense when buying a car.  We help people find vehicles that will fit their budget rather than trying [...]

Where Does My Credit Score Rank?

According to BankRate.com:
“…the median FICO score in the United States is 723…”
“A median of 723 means half the people fall below that score and half have scores higher. More specifically, here’s a breakdown [...]

Do I have three days to change my mind about buying a car?

I bought a car, and I have changed my mind. I do not want it anymore. Can I get out of the contract?

Even My Identity Was Not Safe

I thought I was invincible to identity theft and credit card fraud…apparently I was wrong. Here are some things you can do to try to keep your bank accounts and your credit the way you want them.

Trade in Your Car with Negative Equity

Trade in your car with negative equity. These tips could help you get out of your upside down auto loan.

How Credit Inquiries Can Affect Your Credit Score

In the following article I will explain how credit report inquiries can sometimes lower your credit score, even if only slightly. Depending on the type of inquiry, your score can lower 0 - 10 points -even more with multiple inquiries. While this should not be a major credit worry, it is helpful information to keep [...]

Reader Question: credit report not updated after negotiation

Hello Ryan,
I mailed your negotiation letter a couple of weeks ago through certified mail. I got the green slip on Monday, but my credit report hasn’t been updated yet. Should I be worried? I haven’t sent them any money.
Thanks
Kenny

Kenny -
You sent them a negotiation letter and you expect them to update your credit report, yet [...]

Disputing Negative Data on Your Credit Bureau

Knowing your rights. Apply the law. Knowledge is your most effective weapon to dispute inaccurate and erroneous data from your credit bureau, thus improving your credit rating. Upon receiving your free credit reports from the Credit Bureaus, it is imperative that you write a letter immediately to any or all the creditors who have [...]

What’s the Deal with Payday Loans?

Payday Loan companies are popping up on what seems like every block these days. They are all over the Internet, they are all over the phone books, and payday loan companies are all over city streets. A lot of people ask me, how do they work? Or, how much do they charge? Maybe even, aren’t [...]