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.

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 [...]

Boost Your Credit Score

Your credit rating is the single most important factor in determining your interest rate, and monthly payments on any loans, credit cards, or other forms of financing you may receive. Make sure your credit it in tip top shape.

Fix Your Credit Report

Most Americans are fond of overspending. People buy things they do not really need. Once they see some thing that catches their eye, they buy it - often without even thinking of how they will pay for it.
People usually do this due to lack of will power or budgeting. And lots of them use their [...]

Credit Bureau Contact Info

The 3 main credit bureaus’ contact information. Name, address, phone, and website information. Equifax, Experian, Transunion.

Credit Repair: Self Help May Be Best

Repair your credit on your own. Or you can get help from a professional. Some great stuff here.

Negative Equity in Your Trade-in?

Also called being “upside down”, having negative equity in your trade in is not a position most people want to be in. There has been an influx of customers with poor credit trying to buy vehicles lately. That is great for us because we help people with bad credit buy cars. The problem is how many people with bad credit want to trade in their current car (that they owe way too much money on), and lower their payment.

Creative Uses of Your Economic Stimulus Check

What does the government do when the economy slows down during an election year? Give money back to the hard working people of the country. Car Loans are not the only thing we could think of to spend the money on. With only a couple of weeks or so until the money starts going out, [...]

Buy a Car with Bankruptcy it is Easier than you think.

Some people think of a Bankruptcy as a last resort. I talk to customers all the time who are a few months behind on every bill they have (including their mortgage or rent) and still want to try to buy a car. It baffles my mind that someone can think that it might be a [...]