From: Edmunds.com
Making sure to finance a vehicle properly will greatly reduce the cost of your next new or used car. "Auto Financing" is a general term meaning how you pay for the vehicle. In most cases, cars are financed by taking out an auto loan to buy or lease the car. This involves getting a credit check. By checking your credit history first, and answering all the tough car finance questions up front, you will be more prepared to handle issues at the dealership.
In the articles on these pages we will not only look at the general topic of car finance but we will consider the related topics of credit history, car loan refinancing, auto insurance and all issues pertaining to special car finance considerations. Although most people don't like to think about the subject of auto financing (instead they like to focus on that shiny new car) it is actually the most important part of car buying. While your credit will be checked by the salesman, often before negotiations begin, this is not the only way you can go to get your new car. You do not have to throw yourself at the mercy of the dealership even for special car finance situations. Being prepared before you get to the dealership will mean that you can take charge of your credit and get the new car loan that serves you best.
Keep this in mind: when you negotiate with the salesman for the most favorable auto loan, nothing is permanent until you have it in writing. The sales contract is prepared once negotiations seem to be over. This is handled in the finance and insurance office (the so-called "F&I Room"). It is here that the deal is made or lost. By reading these articles on new and used car financing you will be better prepared to get the best auto loan possible. And who knows? With the money you will be saving, maybe you can move up to that more expensive new car you've been eyeing.
GET PRE-APPROVED FOR YOUR AUTO LOAN AT: http://www.AutoFinanceInsider.com
Credit Repair va VA
Friday, December 12, 2008
Sunday, October 26, 2008
3 Tips to Choose the Best Credit Repair Service
By Link Robertson
Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.
Do Not Pay Large Fees
Many services will charge large upfront fees. Instead look for more standard rates such as $179 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.
Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.
Look For Refunds Not Guarantees
Credit repair can not be guaranteed, esspecially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CAN NOT BE DONE
I strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.
BACK TO CREDIT RESTORATION ASSOCIATES WEBSITE:
Back to the CRA blog homepage:
About CRA:
CRA Resources:
Auto F&I Manager blog:
.
.
By Link Robertson
Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.
Do Not Pay Large Fees
Many services will charge large upfront fees. Instead look for more standard rates such as $179 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.
Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.
Look For Refunds Not Guarantees
Credit repair can not be guaranteed, esspecially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CAN NOT BE DONE
I strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.
BACK TO CREDIT RESTORATION ASSOCIATES WEBSITE:
Back to the CRA blog homepage:
About CRA:
CRA Resources:
Auto F&I Manager blog:
.
.
Friday, October 24, 2008
About Credit Restoration Associates:
Credit Restoration Associates is a credit service organization specializing in the restoration of consumer credit worthiness and identity theft. We assist consumers in achieving a favorable financial credit profile. Everything we do is legal utilizing laws enacted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent information contained within your consumer credit profile.
Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, and the Fair and Accurate Credit Transactions Act, Credit Restoration Associates will assist a consumer in the submission of disputes electronically, verbally and in writing to the Equifax, Experian and Trans Union consumer reporting agencies in addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Associates has the edge is the fact we possess the knowledge and a proven method which yields results.
Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Associates has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate and/or erroneous information. Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Fair and Accurate Credit Transactions Act, in addition to laws applicable to a particular state, Credit Restoration Associates has obtained thousands of deletions and updates for its clients. Credit Restoration Consultants can help remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.
Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that Credit Restoration Consultants is not a law firm and that none of its employees is an attorney licensed to practice law in the state of Florida. As such, Credit Restoration Associates cannot provide legal advice nor represent any individual before any court or in any legal proceeding. In the event that legal representation is required, Credit Restoration Associates may provide an appropriate referral for consultation.
Credit Restoration Associates Hour
Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Knowledge Hour with credit repair expert Link Robertson. Link can be heard weekday's on the 9's - both 9:00 a.m. and 9:00 p.m. eastern time - on AM 1140 WRVA in Richmond Virginia. For those listening online, streaming audio can be accessed at http://www.WRVARadio.com by clicking on the listen live link.
BACK TO CREDIT RESTORATION ASSOCIATES WEBSITE:
Back to the CRA blog homepage:
About CRA:
CRA Resources:
Auto F&I Manager blog:
.
.
Credit Restoration Associates is a credit service organization specializing in the restoration of consumer credit worthiness and identity theft. We assist consumers in achieving a favorable financial credit profile. Everything we do is legal utilizing laws enacted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent information contained within your consumer credit profile.
Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, and the Fair and Accurate Credit Transactions Act, Credit Restoration Associates will assist a consumer in the submission of disputes electronically, verbally and in writing to the Equifax, Experian and Trans Union consumer reporting agencies in addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Associates has the edge is the fact we possess the knowledge and a proven method which yields results.
Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Associates has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate and/or erroneous information. Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Fair and Accurate Credit Transactions Act, in addition to laws applicable to a particular state, Credit Restoration Associates has obtained thousands of deletions and updates for its clients. Credit Restoration Consultants can help remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.
Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that Credit Restoration Consultants is not a law firm and that none of its employees is an attorney licensed to practice law in the state of Florida. As such, Credit Restoration Associates cannot provide legal advice nor represent any individual before any court or in any legal proceeding. In the event that legal representation is required, Credit Restoration Associates may provide an appropriate referral for consultation.
Credit Restoration Associates Hour
Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Knowledge Hour with credit repair expert Link Robertson. Link can be heard weekday's on the 9's - both 9:00 a.m. and 9:00 p.m. eastern time - on AM 1140 WRVA in Richmond Virginia. For those listening online, streaming audio can be accessed at http://www.WRVARadio.com by clicking on the listen live link.
BACK TO CREDIT RESTORATION ASSOCIATES WEBSITE:
Back to the CRA blog homepage:
About CRA:
CRA Resources:
Auto F&I Manager blog:
.
.
Saturday, July 26, 2008
Automotive Finance F&I Finance & Insurance
The Best Credit Restoration Company
Call Today for a Free Professional Credit Analysis.
Credit Repair,
Credit Restoration,
The Credit Restoration Factory
The Best Credit Restoration Company
Call Today for a Free Professional Credit Analysis.
Credit Repair,
Credit Restoration,
The Credit Restoration Factory
Wednesday, May 14, 2008
A College Degree is important to achieving real success in life. Now is better than later. Research online colleges if you cannot take the time from job and family to attend a "brick and morter" university.
Better yourself today. Reading the posts on the Finance Blog will increase specialized knowledge but to really succeed, you must increase your general knowledge. Work toward getting your college degree today.
http://www.MyAssociatesDegree.blogspot.com
Better yourself today. Reading the posts on the Finance Blog will increase specialized knowledge but to really succeed, you must increase your general knowledge. Work toward getting your college degree today.
http://www.MyAssociatesDegree.blogspot.com
A College Degree is important to achieving real success in life. Now is better than later. Research online colleges if you cannot take the time from job and family to attend a "brick and morter" university.
Better yourself today. Reading the posts on the Finance Blog will increase specialized knowledge but to really succeed, you must increase your general knowledge. Work toward getting your college degree today.
http://www.MyAssociatesDegree.blogspot.com
Better yourself today. Reading the posts on the Finance Blog will increase specialized knowledge but to really succeed, you must increase your general knowledge. Work toward getting your college degree today.
http://www.MyAssociatesDegree.blogspot.com
Saturday, March 1, 2008
The Credit Restoration Factory
Automotive Finance F&I Insurance:
The Credit Restoration Factory exists to help restore good credit to good people. We employ a team of prior mortgage loan officers and automotive finance managers with years of loan approval experience.
Together, we have created the Credit Restoration System. The system is tailored to the individual needs of each client and the results of our personal touch will amaze you at the speed with which your credit will become "good" again.
I just left the dealership where I was approved for my first new car and got a low interest rate. Thank you Credit Restoration Factory!
Our CommitmentAt the Credit Restoration Factory, we treat our clients with courtesy and integrity. We guarantee a taylored, realistic, credit repair plan and honest financial advice that will achieve results. We will lead you on a course to financial freedom. Our consistent track record of uncompromising ethics instills confidence and trust.
We use personalized cutting edge technologies to help remove negative items from our client's credit reports. Along with sound financial advice, our goal of restoring our clients good credit and keeping it restored will become a reality.
Email to: CreditRestorationFactory@yahoo.com
The Credit Restoration Factory exists to help restore good credit to good people. We employ a team of prior mortgage loan officers and automotive finance managers with years of loan approval experience.
Together, we have created the Credit Restoration System. The system is tailored to the individual needs of each client and the results of our personal touch will amaze you at the speed with which your credit will become "good" again.
I just left the dealership where I was approved for my first new car and got a low interest rate. Thank you Credit Restoration Factory!
Our CommitmentAt the Credit Restoration Factory, we treat our clients with courtesy and integrity. We guarantee a taylored, realistic, credit repair plan and honest financial advice that will achieve results. We will lead you on a course to financial freedom. Our consistent track record of uncompromising ethics instills confidence and trust.
We use personalized cutting edge technologies to help remove negative items from our client's credit reports. Along with sound financial advice, our goal of restoring our clients good credit and keeping it restored will become a reality.
Email to: CreditRestorationFactory@yahoo.com
Saturday, January 5, 2008
Car Shoppers Cut Spending due to gas prices.
Finally someone explains it.
Kbb.com: Car shoppers cut spending due to gas prices.
New-vehicle shoppers plan to adjust their shopping habits due to high gas prices, spending less money on themselves so they can still give to others during this holiday season, according to the latest Kelley Blue Book Marketing Research study http://www.kbb.com. The December 2007 results reveal that 44 percent of in-market new-vehicle shoppers are looking at cars they normally would not have considered due to the pain at the pump. An example of this is a notable shift in vehicle segment consideration from just two months ago, with increased interest in less expensive and more fuel-efficient transportation including crossovers, sedans and hatchbacks, and declines in SUV interest.
With a gallon of unleaded gasoline currently hovering at more than $3 in most parts of the country, 67 percent of those in the market for a new vehicle indicate they will not spend less on holiday gifts this year due to the rising cost of gas. However, more than 40 percent of consumers do say they are eating out less often and nearly 50 percent of consumers say they are doing less shopping of non-essential retail items such as clothes and shoes; further examples of consumers cutting back on self-spending. According to new-car shoppers, the largest shift in personal spending includes delaying the purchase of a new home, which more than doubled from October to December.
“While gas prices are clearly influencing the way consumers plan to spend money on themselves, such as going out to eat and delaying the purchase of a new home, it appears most people will not let the price of gas affect their holiday spirit and giving to others,” said Jack R. Nerad, executive editorial director and executive market analyst for Kelley Blue Book and kbb.com. “Based on our monthly study, shoppers are willing to sacrifice in order to still give to others, and it even extends to their next new-vehicle purchase. We are seeing more and more new-vehicle shoppers looking at smaller and more fuel-efficient cars than in the past. ”
When asked how gas prices have affected which vehicles they are considering, more than half of consumers say they would seriously consider a vehicle with higher fuel efficiency if gas prices were to increase as little as 50 cents per gallon. Among those looking to buy a new hybrid vehicle, shoppers say they are most interested in the Toyota Camry hybrid and the Honda Civic hybrid.
“Determining how gas prices affect consumer shopping provides tremendous insight into shifts in the economy, and tracking their opinions of alternative fuel solutions sheds light on the possible adoption and acceptance rates of alternate fuel systems in the future,” said Rick Wainschel, vice president of marketing research and brand communications for Kelley Blue Book. “Timely, in-market vehicle shopper feedback can provide invaluable information to automotive manufacturers and marketers, allowing them to tailor their messages and strategies more toward what car shoppers actually think and how they plan to spend their money.”
The latest Kelley Blue Book Marketing Research study was conducted on Kelley Blue Book’s kbb.com among in-market new-vehicle shoppers during the first week of December 2007.
Kbb.com: Car shoppers cut spending due to gas prices.
New-vehicle shoppers plan to adjust their shopping habits due to high gas prices, spending less money on themselves so they can still give to others during this holiday season, according to the latest Kelley Blue Book Marketing Research study http://www.kbb.com. The December 2007 results reveal that 44 percent of in-market new-vehicle shoppers are looking at cars they normally would not have considered due to the pain at the pump. An example of this is a notable shift in vehicle segment consideration from just two months ago, with increased interest in less expensive and more fuel-efficient transportation including crossovers, sedans and hatchbacks, and declines in SUV interest.
With a gallon of unleaded gasoline currently hovering at more than $3 in most parts of the country, 67 percent of those in the market for a new vehicle indicate they will not spend less on holiday gifts this year due to the rising cost of gas. However, more than 40 percent of consumers do say they are eating out less often and nearly 50 percent of consumers say they are doing less shopping of non-essential retail items such as clothes and shoes; further examples of consumers cutting back on self-spending. According to new-car shoppers, the largest shift in personal spending includes delaying the purchase of a new home, which more than doubled from October to December.
“While gas prices are clearly influencing the way consumers plan to spend money on themselves, such as going out to eat and delaying the purchase of a new home, it appears most people will not let the price of gas affect their holiday spirit and giving to others,” said Jack R. Nerad, executive editorial director and executive market analyst for Kelley Blue Book and kbb.com. “Based on our monthly study, shoppers are willing to sacrifice in order to still give to others, and it even extends to their next new-vehicle purchase. We are seeing more and more new-vehicle shoppers looking at smaller and more fuel-efficient cars than in the past. ”
When asked how gas prices have affected which vehicles they are considering, more than half of consumers say they would seriously consider a vehicle with higher fuel efficiency if gas prices were to increase as little as 50 cents per gallon. Among those looking to buy a new hybrid vehicle, shoppers say they are most interested in the Toyota Camry hybrid and the Honda Civic hybrid.
“Determining how gas prices affect consumer shopping provides tremendous insight into shifts in the economy, and tracking their opinions of alternative fuel solutions sheds light on the possible adoption and acceptance rates of alternate fuel systems in the future,” said Rick Wainschel, vice president of marketing research and brand communications for Kelley Blue Book. “Timely, in-market vehicle shopper feedback can provide invaluable information to automotive manufacturers and marketers, allowing them to tailor their messages and strategies more toward what car shoppers actually think and how they plan to spend their money.”
The latest Kelley Blue Book Marketing Research study was conducted on Kelley Blue Book’s kbb.com among in-market new-vehicle shoppers during the first week of December 2007.
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