Bad Credit Blog

I ran into an old friend the other day. We hadn’t seen each other for several years and honestly, I wouldn’t have recognized her. The years hadn’t been too kind. As we sat in a restaurant over coffee she told me of the problems she had. Her husband of 35 years had found himself another honey. She had lost her job and moved to a new city. Frankly any problems I had suddenly seemed small by comparison.

When she found out that my daughter and I had a website dedicated to helping folks with bad credit get auto loans she became animated and asked a thousand questions. It seems that her husband had taken their newest car and left her with an old clunker that quite frankly if it had been a horse the kindest thing you could do would be to shoot it.

She has a new job that actually pays her more money than her old one did but she had only worked there about three months, hardly a career job yet. She desperately needed a newer car but she knew her credit score wasn’t the highest, so she was looking for a bad credit car loan, which most dealerships don’t like. In fact, she had shopped two dealers already but couldn’t get conventional financing. Could I help was what she really wanted to know.

The first thing I asked her to do was go to our website and order her credit report and to also order the credit score. She needed to find out why the lenders were turning her down. If there were some issues from her husband and hers mixed credit she might be able to get them removed using a credit attorney like Lexington Law. This would increase her overall score and get her out of the “bad credit car loan” range.

Then I explained to her about getting a pre-approved car loan. The car loan folks we recommend specialize in helping people like my friend. And they don’t just offer auto loans to people with bad credit, they offer competitive car loans to anyone! So once her score had improved she could still contact one of them and get pre-approved for an even better interest rate!

The way it works, I explained, was with the pre-approved loan you know exactly how much car you can get BEFORE shopping - not the other way around. I recommended that she read the articles that we have on our site, since my daughter and I have both sold cars we know the tricks they will try to pull. This way she would be armed with the best information for car negotiating and be pre-approved!

My friend followed my advice. She pulled her credit. Found a couple errors on it from her “married days.” Had Lexington Law take care of them in less than a month and viola! A few weeks later my old friend pulled up in front of my house to show me what she had been able to buy! She was grinning so big that you know what - she looked 20 years younger!

For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!

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