There are several factors that can be used to ruin a person's credit. A divorce can really screw up all the options that an individual has in order to gain any type of good credit. A divorce mixed with an identity theft could increase the stress level to unbelievable highs. However, there are people that understand these factors and do provide car loans to people with really bad credit.
The first thing to do is choose a car. Use some common sense while deciding. You probably shouldn't try to get a very expensive car, because you are going to try to be able to make the payments. Choose a vehicle that is within your budget, and find a dealer that gives you the best deal. Remember, it is very important to make the set monthly payments on time.
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After a car is chosen, get a price quote from the dealer. Then take that quote, make sure tax and tags are included in the price, to the people providing the very bad credit loans. They will calculate the total with their amount of interest. Interest can be rather high while dealing with these providers. This is how they can cover themselves while handing out money.
All in all if your credit score has been shot down in some way, do not fret. There are very bad credit car loans available to anyone. This means if you never had credit, your credit is considered very bad.
Credit in this modern world, is better to have than cash. Without credit you have to make sure you have the cash to purchase all the big items in the household, and who can hold onto cash that long with a family. It is not the end of the world if you find yourself going through a rocky road on the credit agency highway. Just take a few detours and you will be right back on track in no time.
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