FREE ...New Car Buying Guide
Discover The Secrets Experts Use When They Purchase A New Car

Know Your Credit Rating Before You Go Shopping to Buy A New Car.

My uncle liked to brag that he always impressed car dealers by paying cash...he said they really respected him for it...the individual salesperson may have envied him but they did not like the situation.  The dealership makes more money if they can handle your financing.

The Financing of your car is a BIG profit center for the dealer!

So...Keep The Money In YOUR Pocket...shop around for financing.

Before buying a new car gets past the "just thinking" stage you need to run a Credit Report on yourself.

Get a report from ALL THREE of the Agencies just prior to the start of your search.

Why is this so important?

Because different Lenders and banks utilize different agencies.  By getting a report from the three major reporting agencies you are pretty sure to cover the one your lender is using.  You need this to insure that the lender is placing you in the right financing program.

Your desired Credit Report score is 620 or higher.  If your score is under 620 it is unlikely you will qualify for the best rates and terms...but, Unless it real low, you should still be able to get credit, just not at the ideal rate and term.
No credit? Poor credit? We can help.

IMPORTANT Credit Report NOTE...

It's a very good idea to monitor your credit report at least on an annual basis even if you're not purchasing a new car.

Many people are scared to run credit reports on themselves in the belief that this in itself will lower their credit score.

They are only partially right.

If outside sources make multiple hits (checks) on your credit over a short period of time it CAN lower your score.  This is NOT true when you request a credit report on yourself.

Step Number 5... Loans