If you think about it, the hardest part of the process of buying a car, after accepting a price that the type of loan for buying new or used cars. Most consumers are fully prepared for the dealer loan application process, and that lack of knowledge and planning, millions of dollars annually.
Want to create a win-win for you and the dealer to buy your car, you must have five steps before sitting down at the negotiating table, your credit report, surf before you go to buy local, speak the language and are willing to negotiate.
1) Get your credit report
You may not know how a personal finance article, magazine or a book that is not the meaning, reflecting your credit report, reference to gather. While the modern media verslaan us over the head with this advice for the last two decades that most people are unaware that their credit or check your credit report regularly.
Not knowing your credit score and details of your credit report before applying for a car loan is a mistake. They do not want the scene to resolve the report before applying for a car loan, since the results of its request for loan from lenders directly affect their interest.
Your credit report contains basic information about you – name, address, social security number, etc, late payments, debt, the amount of available credit, public information about you such as judgments and bankruptcies and problems in credit from potential employers or lenders.
And just because you have taken in arrears, debt relief or informed opinion, not to say that these defects automatically from your credit report. Sometimes follow up with creditors to ensure that the report of its reconciliation of the debt to the three credit bureaus.
In addition, identity theft or fraud can result in false records, unfavorable credit report. In January 2011, the Federal Trade Commission said more than 686,000 people reported complaints of identity theft and fraud in 2010. Identity theft and fraud on the main issues leading credit report.
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