BUY HERE PAY HERE

part III

     I don't want to dwell on this, but your credit score can impact your life in many ways. It determines the rates you pay for insurance, it can keep you from getting a house or apartment, and it can keep you from getting a better job.

     One of the best ways to improve your credit score is by financing a car and paying for it in a timely manner.  If you are going to finance a car, you should use that to rebuild your credit and open all the doors that go with that.

How do I do THAT?

     Very simple, you ASK.  Ask if the dealer reports to the credit agencies and which ones. A rule of thumb is that if they do not check your credit they will not report to the credit agencies UNLESS you default and your car is repossessed.  I would advise you that rebuilding your credit is as important as getting transportation.  You may have to "settle" for a car that is less than your dream to use as a "stepping stone" towards rebuilding . You can get to that dream car with some patience and hard work.  If you HAVE to get a car RIGHT NOW and can not get a loan in more traditional ways THEN this may be a way to go.