Online Car Buying Shopping Tips and Guide

According to the inaugural Car Buyer Journey study commissioned by Autotrader and conducted by IHS Automotive, 88% of car shoppers use the internet to do research on vehicles and dealerships. In fact, it has been determined that, for the average car buyer, 60% of the time spent with the vehicle buying process is allocated to online research. Continue reading

Posted in Auto Loans |

No Such Thing as a Credit Blacklist

In the U.S., there is no such thing as a Credit Blacklist. Even though rumors about such a list (or lists) abound on the internet, lenders and credit card companies neither keep nor consult such a list when making an approval decision. Continue reading

Posted in Credit Talk |

Is it Time to Consider Certified Pre-Owned Vehicles?

It is expected that there will be a lot of lease returns this year, and many of these vehicles will be given new life as certified pre-owned (CPO) cars. The CPO market has experienced record sales in the past few years. Will this trend continue with so many potential options available, or will excellent incentives inspire customers to buy new vehicles? Continue reading

Posted in Auto Loans |

Paying Attention to and Maintaining Car Brakes

When it comes to staying safe on the road, your brakes are very important. Your braking system may be your last line of defense when you’re trying to avoid a crash. So, you should do everything you can to ensure that they are always in good working order. Continue reading

Posted in Safety |

Reasons to Improve Your Credit Score

You may think that unless you intend to take out a loan to make a big purchase in the near future, your credit score won’t have much of an impact on your daily life. However, your credit score affects much more than your ability to get approved for financing. Continue reading

Posted in Credit Talk |

Is it Worth the Extra Cost to Get GAP Insurance for Your Vehicle?

Getting GAP insurance (or GAP coverage) is a good idea for many drivers. This is because GAP (Guaranteed Asset Protection) insurance can potentially save some consumers thousands of dollars. However, only certain drivers actually need GAP coverage. Continue reading

Posted in Safety |

What Should You Do if You Can’t Afford Your Car Payment?

Sometimes car buyers come to a point where they realize that they can no longer make their payments. There are a number of things that can lead to this situation, but the result is usually the same. You panic because you need a car, but the one that you have is suddenly too expensive. Continue reading

Posted in Auto Loans |

Credit Scores: Differences between a VantageScore and a FICO Score

Credit scores can seem pretty complicated in general. And to add to the confusion, as a consumer, you probably have multiple credit scores. Different providers use different scoring models that may or may not take the same factors into account. Continue reading

Posted in Credit Talk |

Is Financing a New Car The Wrong Move for You?

Buying a new car can be really exciting. There’s the new car smell, the latest in design and technology, no miles on the odometer, and the peace of mind that comes with knowing you are the first person to own the car. But that’s not to say buying new is always the right way to go. Continue reading

Posted in Auto Loans |

Bad Credit Card Habits and How to Break Them

A credit card can either be a useful credit-building tool or an instrument of financial destruction. It all has to do with how responsibly you manage your account. Continue reading

Posted in Credit Talk |