The post Bad credit and co signers appeared first on Driving Your Credit.

Okay.. So you have what people call “Bad Credit” and you need a vehicle. The banks will consider you a risk due to your credit rating and give you what’s called an interest rate. When financing a vehicle your rate dictates a lot. It can dictate your payment and your overall equity position due to the balance on the loan being more then what the vehicle is actually worth. Keep in mind that just because you have a bad credit loan and paying high interest- doesn’t mean you’re stuck. Keep the loan for 8-12 months. Pay on time and keep your vehicle in good shape. Once the time is up- contact your finance company (driving your credit) and re submit your info and get ready for the bank to re assess your rate!

The post Bad credit = high interest? not always. appeared first on Driving Your Credit.

So you’re 20 and No Credit. Been working since you were 16. Took the bus or got rides from friends and never had anything to pay for but the odd grocery bill. Well GREAT! But what do the banks know about you? Nothing! They don’t know you from a brick in the wall. Getting a credit card ( some people think is so terrible ) when in reality it is the start to taking your no credit to getting the GOOD Credit you will need in the future. Bad credit in a sense is the same as No credit because the banks still consider you to be a risk due to the NOT KNOWING aspect of whether you will pay them back or not. So do yourself a favor if you want credit and not Bad credit or No credit- when the bank asks you ” would you like a credit card” Say yes! Just don’t be a kid about it and miss your payments or think you don’t have to pay it back cause then you will go from NO credit to Bad credit in a heartbeat! Remember No Credit turns into Good credit because now the banks have a history on you and can see that you will pay them- hence the next time you apply for credit- you will not be considered a “risk”.

The post No Credit is Bad Credit. Here’s why appeared first on Driving Your Credit.

So when I was 18 years old I got myself a cell phone. Not knowing what terms and conditions meant at the time I had no idea what I was in for. I started getting very high bills per month for going over my usage (which was never explained to me). I went back to the store where I got it from and asked if they could help me out in which they declined. I called the service provider and they said that the only thing I could would be to cancel the contract. I had no choice but to. Well, after about 6 months I started getting phone calls from them claiming I owed them over 1200.00. WHATTTT… How could this be I asked? Well the terms and conditions that I was not made aware of (I was 18) stated that if I was to cancel my phone I would still have to pay per month and a cancellation fee would be added to my account. I was very upset- upset so I did not pay them. This Bad Credit situation I had no idea of before was now something I would bring on to myself. My cellphone bill of 650.00 was now in collections for over 1300.00!!! BAD CREDIT now. Wow, not even 20 and I have BAD CREDIT? How could I get a loan now I asked? Well- after searching and searching I found Driving Your Credit. I talked with them and they were able to find me the right finance partner to start rebuilding my bad credit. After only ONE year of making payments on my Bad Credit Auto Loan my credit score jumped up from the low 500’s to the high 600’s. I then got pre approved for a credit card and honestly have learned from this. I hope this helps you.

The post Bad Credit turned into good credit appeared first on Driving Your Credit.

Diary of A Salesgirl

How a local Canadian business is helping to shape your car buying experience.

For the first four years of my career in the automotive industry I was employed as a salesgirl. I worked for a busy store located within an upper-middle class suburb of Canada. Many of my customers would openly show curiosity as to how I found myself positioned in that type of a career. Many would also comment on the inevitability of my future success.

I was happy, I had fun every day, I was confident, and I was good at my job, really good. I knew how to produce sales, I knew my product, I knew my competition, I knew my store, and I knew people. I knew how to read people, how to motivate people, and how to appreciate all of my customers. You’d hardly believe it, but I kept the cleanest track record in the business! I was highly praised and recommended for my genuine attention to fairness and honesty.

I was consistent in my effort to defy the stigma of “what comprises a salesperson”.

In the car business you quickly learn that there are factors that contribute to the stigma which are not 100% controllable by the salesperson. Truthfully, within this particular atmosphere, the biggest player is money- in the form of profit.

There will always be “tactics”, “methods” and “ideologies” that dealerships use to primarily profit themselves. Many of you will be familiar with the feeling of walking into a dealership and actually being “told” more than being listened to. In reality, dealers spend hundreds of thousands of dollars to ensure that their staff is trained to take proper control of your conversation. This makes sense for them, because whoever controls the conversation controls the money. Unfortunately, it rarely makes the most sense for you.

Do you earn your money?

Do you want to enjoy spending your money, your way?

Do you want to be treated fairly within the sales environment?

That means:

-You don’t want to overpay for your vehicle

-You don’t want to overpay on your interest rate

-You want the option of a vehicle you’ll actually enjoy driving

-You want to know the straight facts about your optional vehicle products and services instead of being pressured into “extras”

Driving Your Credit is a local Canadian business that supports you. They are completely evolving the traditional customer approach. I have partnered with them to help reverse the common passenger-role of the “buyer” by putting each buyer in the driver’s seat from the beginning. Myself and my team of colleagues have a wealth of knowledge and experience about the current automotive industry. We are actually working to help by giving one-on-one live feedback, advice, and support to customers throughout their vehicle purchasing process. Equipped with the guidance of professionals- buyers are suggested to exclusive dealerships in their area that our team secret-shops and hand-picks to ensure top quality standards for the provided vehicle and customer services.

With Driving Your Credit, there is no guess-work leftover for you as a buyer. You’re grabbing the wheel by visiting their website www.drivingyourcredit.ca and filling out an application form. Then a pro is calling you right away. They get to work promptly on making sure you’re approved for the vehicle of your choice and the payment of your choice. A no-nonsense and hassle-saving approach! Remember- dealers must compete for your business so there is no obligation if you’re not completely happy with your vehicle price or payment rate! Next, you get to either opt for visiting a location for a test drive or the convenience of having the vehicle brought right to your doorstep.

Did I mention that all of these services are 100% free of cost???

Whether you’ve never purchased a vehicle before, or you’ve spent lots of time mulling over previous vehicle purchasing decisions, Driving Your Credit will benefit your next experience by giving you the keys to success before your salesman has the chance to hand you your next set!

Give us a try today and reward yourself with a better experience!

https://drivingyourcredit.ca/#application-form

The post TOP SECRET!!! appeared first on Driving Your Credit.