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15 important credit card terms to consider before applying for a credit card!!
A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost.
So it's wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important...
Bad Credit Auto Loans
Many borrowers assume that securing an auto loan when you have a
bad credit rating is impossible, which is far from truth.
Finding an auto
loan when you have a bad credit might seem difficult to
many, but certainly it's not impossible. In...
Credit Card Offers
Are you getting sick and tired of all the credit card offers that magically appear in your mailbox? Well, you aren't the only one. Part of the reason why you are receiving so many of late is because the Fair Credit Reporting Act (FCRA) was changed...
Simple Steps To Improving Your Credit Report
Even if you think you have a wonderful credit report, be wary of the error factor. Just as you receive mail with your name and address misspelled, your credit report can have errors as well. Whether it’s human error, out of date information or even...
What is a Credit Report?
This article is a concise, informative tell-all explaining what exactly a credit report is, and what that means to you. It will NOT inform you where to get a cheap, or free, credit report. Rather, this article will explain what types of credit...
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Car Loans After Bankruptcy - 3 Tips On Financing Your Car With Bad Credit
If you have recently filed bankruptcy, you may wonder if its
possible to get auto financing again. There are more and more
loan companies all the time that have new programs to help
finance people with bad credit. An auto loan is easier to get
financing for than a personal loan or an unsecured loan because
the lender can use the car as collateral against the loan, in
case the borrower ever defaults or doesn't make the loan
payments.
Here are some tips to help you when getting financing to
purchase or refinance a vehicle after a recent bankruptcy.
1. Get Financed To Re-establish Your Credit - Getting a new car
loan can help you re-establish your credit when you make your
payments on time. Once you have made payments on time for about
6 months or longer, you should be able to refinance your car at
a much lower rate. As you make your payments on time, your
credit score will increase.
2. Buy The Lowest Priced Car You Can - When financing a car
after a recent bankruptcy, you can expect to see
interest rates
as high as 14-19% or more. It is not wise to buy a car that is
more expensive than you need because, initially, you will be
paying such a high interest rate on the amount you are borrowing
on. If you do want a more expensive car, wait until you have
made payments on time for a year or two, after your credit
rating has increased. Then, you should be able to get an
interest rate of around 9-10% or less.
3. Get Multiple Offers - There are many lenders online that will
offer you up to 4 offers from one application. Most of these
loan companies will not even pull your credit with the initial
application, they will just ask you to describe your credit.
This way, your credit score will not drop from being pulled too
often.
About the author:
See my recommended After
Bankruptcy Auto Lenders online. Carrie Reeder is the owner
of ABC Loan Guide, which offers help with after bankruptcy car
loans.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| Springboard - Non-Profit Consumer Credit Management |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
| www.creditmag.com |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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