Do you have bad credit and need a car loan? Here’s what to do By David Maillie Credit scores have been averaging lower these days as many Americans are finding they have either spent too much or over extended themselves too far. Maybe there were a few late payments that were unavoidable due to an unplanned medical emergency. Or maybe house repairs, tuition hikes, etc… whatever the reason you have some negatives on your credit score and these can seriously affect your ability to obtain credit and a car loan. This article is about fixing this blemish or blemishes from your credit report, but I have to warn you it will take time. There is no immediate credit fix that is legally available. You have to understand that just as it takes time to ruin your credit it takes even more time to repair it.
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The first step is to get your credit report with score. It is best if you can obtain the report from all three credit bureaus (Experian, Equifax and Trans-union). Call your local car dealers and ask as to which bureau their lenders pay more attention to (this is good to know as certain bureaus have more influence in certain areas of the country than others). Once you know this you know which report to pay more attention to. Read through the credit report and note the negatives. There may be some bad accounts that you forgot or didn’t even know you had. If there are any that are incorrect, over aged (beyond 7 years for most accounts) or similar, write a letter to the corresponding credit bureau and question the erroneous items. The bureau must within 30 days find out if the account is listed in error or not. If it is in error than the item must be removed and then a free, new and updated report will be sent to you showing that the item has been removed.
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