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« Back to articles from category "Finances"

The following article was published in our article directory on May 14, 2012.
Learn more about SpinDistribute Article Distribution System.

Pushing for Credit Repair When You Have Bad Credit

Article Category: Finances

Author Name: John St James

Financing a car is like taking out for a home loan. Of course, in most cases, the latter involves more money than the former, but the principles are the same. One of these principles is the fact that getting the best deal means making sure you have the best credit ratings you can possibly have. This article will discuss how a consumer with bad credit ratings can save a few hundreds to a few thousand dollars thru credit repair prior to applying for an auto loan.

The Basis of Car Loan Interest Rates

Car loan interest rates increase or decrease depending on several factors. However one thing that remains constant is that the lower your credit ratings the higher your interest rates. Car loan interest rates find basis from the risk creditors when lending money. The lower the credit rating the higher the risk of default because chances are the consumer has a lot of defaults already.

Looking at the Big Picture When Financing a Car

Most consumers look at the down payment and the installment payments when considering financing a car. However, they fail to realize that the first things they should look into is their credit rating. This is because in most cases the interest rate and down payment amount in the showroom applies only to consumers with above average credit ratings. For consumers with lower credit ratings financing a car will definitely be more expensive because the interest rate will go up a few points. By a few points this means 1% to 3% interest that translates to a few thousand dollars lost on interest payments alone.

Making the Most Out of Bad Credit Auto Loans

Get a copy of your free annual credit reports from annualcreditreport.com and then pay for at least one credit score to get an idea of where you stand. Now if your credit rating is below median then you may want to consider credit repair minimize interest payments on bad credit auto loans. Credit repair need not be complicated, just follow the following steps:

Read the instruction page on your credit report. Understand each class.

Browse thru one credit report to get a feel for the layout. You will need to read thru one report 3 to 4 times to fully grasp the information.

Take note of financial information that is inaccurate and obsolete. You can do this by noting down and/or highlighting the creditor, the time, date and place of payment. Anything that seems out of the ordinary you highlight or list down. For example, entry indicates you made a credit card charge out of state when you know for a fact you never did.

Call the erring credit bureau. Inform the representative you are disputing the information. Remember, you are not required to give out too many details but to make things faster you can choose to provide the information or even mail the necessary documents as proof. Request for a callback date and note down the name and identification number of the representative.

Call the creditor and request for more information. If the information does not make sense then dispute the same with the creditor as well.

After 30 days call again it request an update. If you think nothing is being done then dispute the information in writing and attach the necessary documentation.

Remember, your current reality maybe bad credit auto loans, but it does not mean that you should leave it that way. This is especially correct if your bad credit rating is due to identity theft, inaccurate entries and obsolete information.

About the Author: John St James is an expert when it comes to bad credit auto loans. To find out everything about a credit repair car loan, visit his website at http://www.needcarcredit.com.

Keywords: car loan interest rate, new car financing, financing a car, auto loan credit repair, bad credit auto loans, bad credit car loan, financing a car, best car finance deals, best auto loan rates, bad credit auto loans, car loans for bad credit, car financing calculator

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