Bad Credit Auto Refinance » Bad Credit Auto Insurance http://bad-credit-auto-refinance.com Bad Credit Car/Auto Loans | Car Loans for College Students | Auto Refinance For Bad Credit Tue, 24 Apr 2012 14:40:02 +0000 en hourly 1 Who gets the check when a car is totaled? http://bad-credit-auto-refinance.com/who-gets-the-check-when-a-car-is-totaled http://bad-credit-auto-refinance.com/who-gets-the-check-when-a-car-is-totaled#comments Sat, 08 Aug 2009 20:22:07 +0000 admin http://bad-credit-auto-refinance.com/who-gets-the-check-when-a-car-is-totaled bumblebee asked: I was in a bad car accident and my car is likely right on the border for being totaled. My problem is, it is a 5 year old car and I still owe $16,000 on it. If my insurance company is good to me, I should just barely be able to get that [...]

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]]> bad credit auto insurance16 Who gets the check when a car is totaled?
bumblebee asked:

I was in a bad car accident and my car is likely right on the border for being totaled. My problem is, it is a 5 year old car and I still owe $16,000 on it. If my insurance company is good to me, I should just barely be able to get that from them for totaling it. However, I will have no money for a new car, and my credit has taken a hit the last year so I wouldn’t easily be able to get financing on something else.

My question is, if my insurance company totals my car and gives me a check, will the check actually be made out to ME, or will they automatically (or be forced) to give it to my auto loan lender to pay off the car? What I’d like to do is keep paying my loan I already have as if nothing changed, and take my totaled car check and go buy another car outright, but I don’t know if that’s possible or not. Can anyone help?
Everyone who had a “smart” answer: please don’t blame me or act like I’m trying to scam anyone. I would never commit insurance fraud or anything like that intentionally, that’s why I was ASKING. I didn’t know who it went to – I was just trying to figure out the best way for me to keep a vehicle. I’d never intentionally try and scam or defraud anyone.

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]]> http://bad-credit-auto-refinance.com/who-gets-the-check-when-a-car-is-totaled/feed/ 0 Need some help on buying a car from a dealership? http://bad-credit-auto-refinance.com/need-some-help-on-buying-a-car-from-a-dealership http://bad-credit-auto-refinance.com/need-some-help-on-buying-a-car-from-a-dealership#comments Thu, 06 Aug 2009 08:22:33 +0000 admin http://bad-credit-auto-refinance.com/need-some-help-on-buying-a-car-from-a-dealership kfoshee335 asked: I have bad credit but have been approved for an auto loan and then a dealer called he got some more info and called me back and told me to come down and see them I asked him if I needed anything down and he told me no and if I had a [...]

Need some help on buying a car from a dealership? is a post from: Bad Credit Auto Refinance

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]]> bad credit auto insurance21 Need some help on buying a car from a dealership?
kfoshee335 asked:

I have bad credit but have been approved for an auto loan and then a dealer called he got some more info and called me back and told me to come down and see them I asked him if I needed anything down and he told me no and if I had a co-signer that would bring my payments down and I told him I had no one and he said no problem that they could fix me up. When I got there they said I needed a co-signer and when I told them I had no one they lost interest. They did tell me if I found some one They would sell me the car. They even wanted to sell me the truck I wanted and put it in the co-signers name and the truck would be in their name but I would be responsible for the payments, insurance, and tag. This sound wrong. The dealer is a big local one and this just does not sound right. What is up?
Also when he told me I needed a co-signer so my payment would be lower, he said the truck would be in the co-signers name and they would go to him with the paper work later the next week, but I could leave the dealership with the truck. This person did not even have to be a relative. The deal was going to take care of the insurance and I would have to get the tag, He told me to tell the tag people I was doing it for my grandfather. Does this sound right, or fishy?

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Need some help on buying a car from a dealership? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/need-some-help-on-buying-a-car-from-a-dealership/feed/ 0 How will a voluntary repossession affect my credit? http://bad-credit-auto-refinance.com/how-will-a-voluntary-repossession-affect-my-credit http://bad-credit-auto-refinance.com/how-will-a-voluntary-repossession-affect-my-credit#comments Sun, 02 Aug 2009 01:43:01 +0000 admin http://bad-credit-auto-refinance.com/how-will-a-voluntary-repossession-affect-my-credit michelle asked: I took out an auto lease for my husband to get a car last july. (i paid $4000 down for him to get an lease car..still remaining 21 payments amount of $500 per month..) But i am getting a divorce with him without attorney (actually i am filling marriae nullty because of fraud..also [...]

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]]> bad credit auto insurance22 How will a voluntary repossession affect my credit?
michelle asked:

I took out an auto lease for my husband to get a car last july.
(i paid $4000 down for him to get an lease car..still remaining 21 payments amount of $500 per month..)
But i am getting a divorce with him without attorney (actually i am filling marriae nullty because of fraud..also there is no way that i can contact with him..he just left from me and took the leased car.. he is immigration.. tried to get green card through me..) He failed make a payment for two months also didn’t pay for the insurance for a while.. I am a full time student..i can’t handle his car payment.. I called Cops but they can’t help me because it’s a regaI matter..so I called the car finance company in this morning and they told me i can sign up for the voluntary reposseeeion. Do you think sign up for voluntary repoesseion is best way for my situation? also how will a voluntary repossession affect my credit?? any penaly??should i wait for the divorce result? please help me..sorry for the bad g
rammars.

discountemporium.info

How will a voluntary repossession affect my credit? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/how-will-a-voluntary-repossession-affect-my-credit/feed/ 0 Do you know anything about CREDIT SCORES? http://bad-credit-auto-refinance.com/do-you-know-anything-about-credit-scores http://bad-credit-auto-refinance.com/do-you-know-anything-about-credit-scores#comments Sat, 01 Aug 2009 07:16:17 +0000 admin http://bad-credit-auto-refinance.com/do-you-know-anything-about-credit-scores Safari asked: Is it true that Insurance companies Like AUTO, HOME OWNERS insurance, check your FICO score before giving you insurance rate? If so, WHY? what is the correlation between having bad score, and the insurance rate? I would appreciate any help, and any resources that you can point me too. THank you!! Im doing [...]

Do you know anything about CREDIT SCORES? is a post from: Bad Credit Auto Refinance

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]]> bad credit auto insurance Do you know anything about CREDIT SCORES?
Safari asked:

Is it true that Insurance companies Like AUTO, HOME OWNERS insurance, check your FICO score before giving you insurance rate? If so, WHY? what is the correlation between having bad score, and the insurance rate? I would appreciate any help, and any resources that you can point me too. THank you!! Im doing this for a school project!

Discount Boutique

Do you know anything about CREDIT SCORES? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/do-you-know-anything-about-credit-scores/feed/ 0 How can I get approved for an Auto Lease with Credit Blemishes? http://bad-credit-auto-refinance.com/how-can-i-get-approved-for-an-auto-lease-with-credit-blemishes http://bad-credit-auto-refinance.com/how-can-i-get-approved-for-an-auto-lease-with-credit-blemishes#comments Fri, 03 Jul 2009 01:12:28 +0000 admin http://bad-credit-auto-refinance.com/how-can-i-get-approved-for-an-auto-lease-with-credit-blemishes Mike S asked: I am trying to get approved for a new lease through chrysler the jeep is being sold to me for invoice which is @29k. We were denied under my wifes name today. No repos, she actually already has a Jeep through Chrysler and has never been late in over a year, and [...]

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]]> bad credit auto insurance3 How can I get approved for an Auto Lease with Credit Blemishes?
Mike S asked:

I am trying to get approved for a new lease through chrysler the jeep is being sold to me for invoice which is @29k. We were denied under my wifes name today. No repos, she actually already has a Jeep through Chrysler and has never been late in over a year, and she is actually never late on any payments…I make the mortgage payments which are in her name and occassionaly they are late. I think the big problem is I was in a bad accident about 5 months ago. A month later I was told that it was a total..So I stopped making the payments. Needless to say it took the insurance company about 4 months to pay the damn car off which only happened like a few days ago. So for all I know that is showing on her report as a repo or default or who knows.

I can certainly afford the payment but they will not approve it. Please help, I really need to get this jeep ASAP.

Clear Your Bankrupsy

How can I get approved for an Auto Lease with Credit Blemishes? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/how-can-i-get-approved-for-an-auto-lease-with-credit-blemishes/feed/ 0 Does the box have to be marked off on the Buyer’s Guide for a used auto purchase for it to be an as is sale? http://bad-credit-auto-refinance.com/does-the-box-have-to-be-marked-off-on-the-buyers-guide-for-a-used-auto-purchase-for-it-to-be-an-as-is-sale http://bad-credit-auto-refinance.com/does-the-box-have-to-be-marked-off-on-the-buyers-guide-for-a-used-auto-purchase-for-it-to-be-an-as-is-sale#comments Tue, 21 Apr 2009 07:17:20 +0000 admin http://bad-credit-auto-refinance.com/does-the-box-have-to-be-marked-off-on-the-buyers-guide-for-a-used-auto-purchase-for-it-to-be-an-as-is-sale angelicalprincess23 asked: I need a professional opinion. Me and my fiance have been searching all over. I found many sites that posted the box has to be marked either “As is” or “No Warranty”. We’re wondering because the sales rep just had him initial above the “As is” box. Would that hold up in court [...]

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]]> bad credit auto insurance10 Does the box have to be marked off on the Buyers Guide for a used auto purchase for it to be an as is sale?
angelicalprincess23 asked:

I need a professional opinion. Me and my fiance have been searching all over. I found many sites that posted the box has to be marked either “As is” or “No Warranty”. We’re wondering because the sales rep just had him initial above the “As is” box. Would that hold up in court or do we have a case since he didn’t technically check off the box. There’s some other things he didn’t do like his math is horrible. He’s nearly $1,000 off in the balance. And he sold us gap insurance which I was told we didn’t even need. It was just something they sell to make more money on those who don’t know any different. Can you help us. Do I have any kind of case? Because if we would have had the warranty like the dealer gave to us and took away we would still have our car and be making payments. No thanks to him, we lost our job due to an infuctional vehicle, lost our car due to lack of funding and had to move out of our place. Now thankfully we’re back on our feet and have a home and new vehicle. But my fiance has bad credit and we were scammed. Any suggestions. We’re hoping they sue us soon so we can take them to a legal court room and get the money back we so deserve. Any suggestions on getting them to sue sooner?

Thanks.

Lisa
Actually it was there fault. Within a month or so the radiator and the transmission to the car failed. I’d say that they knew about this and didn’t care. For $10,000 that’s pathetic. I now have a car I only paid $900 for. We only had to do minor repairs so far. Crossing my fingers. But I guess I will have to chuck up a loss and say I will only deal with independant people from now on. That just sickens me. And you sir, I assume from your total lack of regard and respect for the common man or woman must be a car dealer rep yourself. How do you sleep with yourself at night doing this to innocent people?

Healthy Diet For Your Pets

Does the box have to be marked off on the Buyer’s Guide for a used auto purchase for it to be an as is sale? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/does-the-box-have-to-be-marked-off-on-the-buyers-guide-for-a-used-auto-purchase-for-it-to-be-an-as-is-sale/feed/ 4 Anybody Know where I can take out a loan? http://bad-credit-auto-refinance.com/anybody-know-where-i-can-take-out-a-loan http://bad-credit-auto-refinance.com/anybody-know-where-i-can-take-out-a-loan#comments Fri, 17 Apr 2009 21:17:28 +0000 admin http://bad-credit-auto-refinance.com/anybody-know-where-i-can-take-out-a-loan liz21283 asked: I am desperate!!I will give you the condensed version of my problem. For the last 2-3 years I have been irresponsible about my credit. So my score is down the toilet, I have also started my own business, with my own money and I have sunk a lot into it. Now because I [...]

Anybody Know where I can take out a loan? is a post from: Bad Credit Auto Refinance

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]]> bad credit auto insurance1 Anybody Know where I can take out a loan?
liz21283 asked:

I am desperate!!I will give you the condensed version of my problem. For the last 2-3 years I have been irresponsible about my credit. So my score is down the toilet, I have also started my own business, with my own money and I have sunk a lot into it. Now because I have been so careless, I have a carpayment that is waaay past due and will be taken away, as well as my auto insurance will cancel. Now I clean houses for a living, that is my business, and I need some financial help to get me back on my feet. I have tried loans, and my credit is too bad to qualify, and I have tried gov’t grants, but they are not handing any out at this time in my area, which is in DeLand, Fl. So, is there anyone out their who knows where I might get the help I need? I realize that my money problems are completely my fault, however I am tring to ovecome them very much and I just need some help.

Don’t file Bankrupcy

Anybody Know where I can take out a loan? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/anybody-know-where-i-can-take-out-a-loan/feed/ 3 Will my credit score improve when I take care of old debts? http://bad-credit-auto-refinance.com/will-my-credit-score-improve-when-i-take-care-of-old-debts http://bad-credit-auto-refinance.com/will-my-credit-score-improve-when-i-take-care-of-old-debts#comments Thu, 09 Apr 2009 21:08:36 +0000 admin http://bad-credit-auto-refinance.com/will-my-credit-score-improve-when-i-take-care-of-old-debts Amanda S asked: I have many medical bills on my credit report that are very delinquent by more then 3 years. I didn’t have medical insurance and had a lot of kidney problems thus racked up the debt. I also have one bank account that was a joint account with my ex husband that I [...]

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]]> bad credit auto insurance19 Will my credit score improve when I take care of old debts?
Amanda S asked:

I have many medical bills on my credit report that are very delinquent by more then 3 years. I didn’t have medical insurance and had a lot of kidney problems thus racked up the debt. I also have one bank account that was a joint account with my ex husband that I will pay off this year and one bad check which I will also be paying off this year. I have a auto loan that I have not had any late payments on and one auto lone showing payed in full. I also have a line of credit to a local furniture store that is almost payed off that also has no late payments. What else could I do to improve my credit? Is paying off the medical bills going to improve my score and ratings? Thanks

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]]> http://bad-credit-auto-refinance.com/will-my-credit-score-improve-when-i-take-care-of-old-debts/feed/ 7 Question about auto loan? http://bad-credit-auto-refinance.com/question-about-auto-loan http://bad-credit-auto-refinance.com/question-about-auto-loan#comments Fri, 27 Mar 2009 21:11:48 +0000 admin http://bad-credit-auto-refinance.com/question-about-auto-loan KP3519 asked: I am 18 years old and I am currently trying to get an auto loan from a bank. I don’t have established credit so I am having my aunt co-sign for me. I am getting the loan for $7500 but I have run into a few problems. My aunts credit is perfect and [...]

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]]> bad credit auto insurance17 Question about auto loan?
KP3519 asked:

I am 18 years old and I am currently trying to get an auto loan from a bank. I don’t have established credit so I am having my aunt co-sign for me. I am getting the loan for $7500 but I have run into a few problems. My aunts credit is perfect and I know she can get accepted for the loan. The problem is that every bank I have gone to requires me to get full coverage insurance in my name. I don’t mind the full coverage insurance but the fact that it’s in my name would make my payments extremely ridiculous. I have talked to a few ppl that have gotten loans at the bank for around $12,000 and for some reason they were able to still remain under their parents insurance. I am looking to remain under my parents insurance but is it possible to do so with the loan I am trying to obtain? If not, then what are some other solutions to purchasing this car because I want it reallll bad. Any type of personal loans I could apply for? or any other solutions?
The bank is making me have the car insured under my name. Thats the problem. I have gotten quotes from several different insurance companies and not one of them estimated under 500 dollars a month. Now thats just something I can’t afford.
I would put the loan in my parents name but I also want my name to be the primary name because I want to establish some form of credit. I have no line of credit towards me as of now. But if worse comes to worse, I might have to to get the loan entirely through my dad. Not sure if my mom and dad have that great of credit though thats the problem. Thats why I wanted to get my aunt to co-sign. But hopefully if worse comes to worse my parents credit will be good enough.

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Question about auto loan? is a post from: Bad Credit Auto Refinance

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]]> http://bad-credit-auto-refinance.com/question-about-auto-loan/feed/ 5 Advice regarding a nightmarish financing situation? http://bad-credit-auto-refinance.com/advice-regarding-a-nightmarish-financing-situation http://bad-credit-auto-refinance.com/advice-regarding-a-nightmarish-financing-situation#comments Fri, 20 Mar 2009 03:30:11 +0000 admin http://bad-credit-auto-refinance.com/advice-regarding-a-nightmarish-financing-situation -artifex asked: A car I recently bought was stolen before I could buy insurance for it. This combined with a credit score of 550 has apparently made it impossible to find another auto loan. Over the past two weeks, I’ve applied with (and been refused by) dozens of banks. Several dealerships advertising bad credit financing [...]

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]]> bad credit auto insurance23 Advice regarding a nightmarish financing situation?
-artifex asked:

A car I recently bought was stolen before I could buy insurance for it. This combined with a credit score of 550 has apparently made it impossible to find another auto loan.

Over the past two weeks, I’ve applied with (and been refused by) dozens of banks. Several dealerships advertising bad credit financing help have been unable to find any financing at all, citing my existing car loan as the reason. Although I was originally shooting for an $8000 loan (the value of my stolen car), I’ve since lowered my expectations to around $4500, with no effect. And all this despite making $2600 per month, and having a cosigner.

Do you think joining a local credit union might improve my chances?
Has anyone out there successfully dealt with a similar problem?
I was actually sold insurance with my loan, but I canceled it shortly after I bought the car, in favor of a company (Progressive) with better rates. Unfortunately, there was a problem (my bank hadn’t yet cleared a recent paycheck deposit, despite the online account showing that they had, and so the initial deposit bounced) and the first time I heard of this was when I called to report my car stolen, which was four days after I received an email stating that the initial deposit had been processed, and my insurance account activated (they had informed me of the bounced withdrawal via mail, which I didn’t receive until the day after my car was stolen.).

Anyway, I intend to keep paying the original loan, I’m just trying to find a second loan- can anyone recommend a bank that might be willing to help? I’ve tried all the major ones.

freedom from debt!

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