The 800-pound gorilla in the field is positive reviews from watchdog agencies and outfits like the BetterLexington Law, who gets generally
Business Bureau, which make them the number one choice for credit repairif you don’t want to do it yourself.
No matter what route you take, it is critical that you know what your creditscores are before you go out shopping. I can’t tell you how many times I’ve (^)
had people who scores were subprime. This can so dramatically affect interest rates and thought they had prime credit, only to find out that their
payments that I usually try to help my newly referred clients get their scoresfirst—before car shopping begins. And with my repeat customers I always
ask if there have been any changes to their credit since our leasttransaction.
permission.TIP: Do not allow dealers to pull your credit scores without your^
While this happens less than it used to, it can still take place. To avoid this,don’t give them your Social Security number unless you decide to use their (^)
financing or buy the vehicle with cash (in which case you’re required toprovide it when signing the purchase documents). To pull a credit bureau, (^)
they need what’s referred to as a “five-liner”—your name, address, phonenumber, birth date and Social Security number—and sometimes they’ll ask (^)
for this information as if it’s necessary for a test drive. It is license (and maybe proof of insurance) is the requirement. Thanks to the not ; a valid (^)
new laws that are part of the Consumer Financial Protection Act of 2010,