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Credit Cards For People With Bad Credit - How To Avoid Getting Ripped Off
If you've had credit problems, then you've probably received offers for credit cards aimed at people with bad credit. These offers range from legitimate, to questionable, to outright scams. How can you tell the difference? The answer is to read the...
How To Prepare For A BIG Pay-Off When You Sell
Follow the steps below to get a higher price for your house: 1. Get your house ready to sell: a. Remove the clutter, starting from the most important room in the house...the kitchen. Then move on to the bathroom, closets, furniture and...
Negotiating real estate deals to win-win
If you’ve spent some time on homekeys.net, you probably noticed we generally don’t carry a torch for tradition or conventional wisdom. Having said that, the well-worn cliché above still holds true, especially in real estate transactions. Many...
NEGOTIATING TACTICS - HOW TO STRIKE A NEGOTIABLE OPENING SHOT
There is no right or wrong to fire up your opening negotiation… There may be a lot of people who are uncertain about the right way to start off a fruitful negotiation with their counterparts. They tend to think or behave as though there is really a...
The New Bankruptcy Law "Means Test" Explained in Plain English
With the new bankruptcy law in effect as of October 17, 2005, there is a lot of confusion with regard to the new "means test" requirement. The means test will be used by the courts to determine eligibility for Chapter 7 or Chapter 13 bankruptcy. The...
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Bad Credit Loans
You can still save money on a Bad Credit Loan by comparing rates, checking out multiple policies, and negotiating with lenders.
Getting a Bad Credit Loan doesn’t have to be like basic training. Someone with bad credit will more than likely have a tough time buying a brand new car at an affordable rate. Lenders are not willing to take a greater risk on a high priced vehicle if your credit has some blemishes.
Find the car you are interested in and try to figure out approximate monthly payments.
It's a Serious Matter-Need to Resolve!Yes, it is possible to dig your way out of debt if you know how to wield the shovel. Certainly, you are far from unique. Millions of people rely on credit to help them buy homes, cars, vacations and more. Inevitably, even the most conscientious can encounter job losses, medical emergencies and other unforeseen circumstances that make repayment difficult. Late payments or defaults will be noted on Bad Credit Loan reports that follow you for years, squeezing your standard of living; so, it's imperative to convince the world that you're a dependable, debt-paying customer.
Moreover, a negative Bad Credit Loan report can do more than impair your ability to get a loan or a line of credit--it can cost you your job.
You don't have to sit back and let your Bad Credit Loan report wreak havoc on your life. If you're straining against your credit lines, there are a few points that you, as a consumer should understand.
Be patient and don't expect miracles to happen. Once you've accrued debts, there's no simple way to make them disappear, no matter what you hear from companies that "guarantee" you relief from your obligations.
An Important Caveat
Take your time and do you research and even if you do have bad credit, you can save money. Don’t jump into a deal you are not ready for. It’s not worth it. Be prepared for the negotiations and everything will work out well for you and your car buying experience.
Here are some more tips on how to save money when buying a used car:
Check out the car’s repair record, maintenance costs, and safety and mileage ratings in consumer magazines or online. Look up the "blue book" value, and be prepared to negotiate the price.
- Buying from a dealer? Look for the Buyers Guide. It’s required by a
federal regulation called the Used Car Rule.
- Make sure all oral promises are written into the Buyers Guide.
- You have the right to see a copy of the dealer’s warranty before you buy.
- Warranties
are included in the price of the product; service contracts cost
extra and are sold separately.
- Ask for the car’s maintenance record from the owner, dealer, or repair
shop.
- Test-drive the car on hills, highways, and in stop-and-go traffic.
- Have the car inspected by a mechanic you hire.
- Check out the dealer with local consumer protection officials.
- If you buy a car "as is," you’ll have to pay for anything that goes wrong
after the sale.
- The Used Car Rule generally doesn’t apply to private sales.
To Avail
There are three major credit bureaus most lenders rely on for Bad Credit Loan reports: Equifax, Experian and Trans Union. Upon request, each of these companies must tell you everything that's in your Bad Credit Loan report, along with the sources of information that they used. In addition, you must be given a list of everyone who has requested your Bad Credit Loan report within the past year (two years for job-related requests).
Each Bad Credit Loan report will include an "investigation request" form and instructions that you can use to question any items you believe to be in error. Once you submit this form, the credit bureau must investigate your claims and Bad Credit Loan report back within 30 days. If an inaccuracy has been found, it will be removed from the record. If the issue can't be resolved, you'll be allowed to prepare a short statement (up to 100 words) giving your side of the story, to be included in future Bad Credit Loan reports.
Communicate with your creditors once you've fallen behind. The procedures described above should help if your Bad Credit Loan report contains mistakes. If you've failed to make required payments on your debt, that information stays. Auto loan problems may require early warnings to creditors.
Cut your craving for credit completely. The less you charge, the smaller the chance you'll wind up overextended. "Now," says Harrison, "I have only one credit card, which I don't use--it's just for emergencies. If I want something, I pay with cash or with a debit card."
James D. Marriott
Staff Writer
© February 2005. RNCOS
James is a regular finance columnist with RNCOS (www.rncos.com). He writes on a wide range of topics, including mutual funds, taxes, credit cards, and IRAs. For further suggestions and comments on the articles and bad credit loans, feel free to question our staff writer at info@rncos.com
About the Author
None
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