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Thursday, 10 July 2008 |
 Alabama, like every other part of the nation, is feeling the result of the credit crunch, high gas prices and housing bubble. These economic issues have affected good people who know have credit problems. If you live in Alabama - Daphne, Fairhope, Mobile, Eufaula, Enterprise, Ozark, Dothan, Columbus, Troy, Birmingham, Hoover, Cullman or any other part of Alabama here are some things to look for when getting a bad credit car loan in the State of Alabama.
Improving Your Credit Score
FICO credit scores are the most widely used by lenders. Scores range from 300 to 850, and the median FICO credit score in the U.S. today is 723. By improving your credit score you can save a good portion of your car loan because the interest rate depends on your FICO score whether you getting our car loan in Alabama or any other state.
FICO scores are based on five factors:
• 35% - your payment history
• 30% - how much you owe at this time
• 15% - the length of your credit history
• 10% - the amount of new credit
• 10% - the mix of credit
Do Your Homework on the Car before you buy in Alabama
The Kelley Blue Book and N.A.D.A. Appraisal Guides have been the standard for determining car values for years so you can check prices online at www.kbb.com or nadaguides.com. Secondly, know the vehicle's history. If you have the vehicle identification number, you can use a service such as Carfax to purchase a history report on that vehicle before rushing to get an Alabama bad credit car loan. However, the report will only show what has been reported to insurance companies or government agencies. If the vehicle was in a flood, for example, and this was not reported, that information won't show up. Go to www.carfax.com or AAA.com.
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Saturday, 28 June 2008 |
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Most Pennsylvanians will be entitled to a free version of their credit score under a proposed settlement of a class-action lawsuit against the national credit bureau TransUnion. The settlement, which stems from allegations that TransUnion sold consumers' personal information without their permission in the 1990s, covers people who had an open credit account or line of credit between Jan. 1, 1987, and May 28, 2008. That includes anyone with a car loan, credit card, student loan, mortgage or other form of credit during that time -- an estimated 160 million consumers. Under federal law, consumers are each entitled to a free copy of his or her credit report once a year from each of the three main credit bureaus. But the bureaus are allowed to charge a fee for a credit score. Credit scores are used by lenders, insurers and others to judge how risky it is to do business with you. Typically, the higher the score, the lower the rate will be for a mortgage, credit card or other form of credit. |
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Tuesday, 24 June 2008 |
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Regardless of where you live in the US you should be feeling by now the effects of the credit crunch. Having bad credit or little credit at this juncture can be a real pain when it comes to getting a good car loan, specifically when you are a teenager or a minority. Here are some basic rules for buying a car with bad credit if you are a teen or minority in Washington State. Get the Best Car for Teens If you are a minority in the market for a car loan in Seattle, Tacoma, Bellevue, Bremerton, Silverdale, Oak Harbor, Shelton, Olympia, Mount Vernon, Anacortes, Port Angeles, Centralia, Portland, Vancouver, Ellensburg, Longview, Aberdeen, Bellingham, Spokane, or in Pullman Washington Sate. This year’s number of high school graduates is the biggest since the late 1970’s. Celebrating graduation usually includes a car purchase. The number used vehicle desired by 16 to 25 year old drivers is the Ford Mustang; the number 2 is the Jeep Wrangler followed by Honda Civic. |
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Monday, 23 June 2008 |
If you live in Seattle, Tacoma, Bellevue, Bremerton, Silverdale, Oak Harbor, Shelton, Olympia, Mount Vernon, Anacortes, Port Angeles, Centralia, Portland, Vancouver, Ellensburg, Longview, Aberdeen, Bellingham, Spokane, Pullman Washington or any other part of the country you have been affected in one way or the another by the credit crisis. Unsurprisingly, if you have bad credit and is in the market for a car loan you may be a little concerned. Your reaction is perfectly normal. Here are some things to consider when getting a bad credit Seattle car loan online.
Market conditions
The economy is not doing well right now, home prices are tanking, and the stock market is scary. No wonder people are staying away from car-dealer showrooms. And that means it’s a great time to get a bargain on a new or used car in Seattle, Tacoma, Bellevue or any other part of Washington State.
Carmakers have cut production, but they haven’t shut down. Dealers still have to move the cars inventory that roll off assembly lines, so many vehicles are going for near-invoice prices. As icing on the cake, carmakers have turned to low-rate financing and cash rebates.
Vehicle sales for the first three months of 2008 were down 8% compared with the same period in 2007. And incentives are up. For example, GM is spending $3,300 on incentives per vehicle (including cash rebates and subsidized rates and leases), compared with $2,800 a year ago.
Check the Internet
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Monday, 16 June 2008 |
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Californians are the next set of drivers to eliminate the use of handheld cell phones in the car. On July 1, 2008 a new law prohibiting the use of wireless telephones and PDAs while operating a motor vehicle takes effect statewide. California joins New York, Connecticut, New Jersey, Washington, the Virgin Islands and Washington D.C. in enforcing jurisdiction-wide cell phone bans. Car enthusiast website, WebRidesTV.com, encourages the use of hands-free devices that comply with cell phone bans by initiating an online video contest featuring hands-free technology. California Governor Arnold Schwarzenegger stated at the signing ceremony of the new law, "You don't have to stop talking on your cell phone, but use a headset or use a speaker system, and you will be fine." Under the new law it is legal to make hands-free phone calls in the car using Bluetooth or the speaker phone function. Lieutenant Ronald Iizuek of the Culver City Police Department in Culver City, California states, "Automobile accident statistics show that using a handheld phone while driving is a major distraction and a huge safety issue." Lieutenant Iizuek asserts that text messaging and dialing are common distractions for drivers and increase the risk of automobile accidents. |
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