Always check your credit

My "better half" uses credit monitoring. Now she has almost an 800 credit score, but all of a sudden two medical collections from Banner Health show up. One was for $56 and another for $700. After calling Banner Health and giving them all of her personal information, they were not able to pull anything up on her. She eventually contacted the credit bureaus and filed a dispute by phone (This only is going to work if you have good credit. If you have bad credit, you can forget it. You have collections all over your credit report already.) and they removed it within a week.

Five Reasons to Check Your Credit Report Regularly

In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.
Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:
Inaccuracies & Mixed Credit Files
Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly.
Tracking Payments
One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly.
Identity Theft

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This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. Inquiries
If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.
Credit Fraud--Unauthorized Charges
Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed.
When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! Click Here to Learn More About Credit Repair




Dealer Website for bad credit vehicles in Arizona

Why Are Arizona Dealers requiring Arizona Drivers License for Bad Credit buyers? How does Lease to Own help

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A LOT OF BUY HERE PAY HERE DEALERS ARE NO LONGER ACCEPTING OUT OF STATE DRIVERS LICENSE.  Arizona is a major state where individuals are moving here for jobs, retirement and other opportunities. Most keep their out of state phone numbers and license. Case in point: It's cheaper to insure your vehicle in Florida than it is in Arizona. Some areas don't even have emissions testing. So once you change your Drivers License, you have to register your vehicle. Now you have higher insurance rates, high registration fees and you have emissions now. So here in lies the problem...you have bad credit, you have a couple of repossessions and you either just moved to Arizona or you simply haven't gotten an Arizona License. With so many people skipping town with financed vehicles, dealers are nolonger taking any chances. Lease to Own will accept any U.S. License. You are automatically approved as long as you have verifiable income and can make bi-weekly payments.   LEASE TO OWN|NO MORE FAKE DEALERSHIP APPROVALS | (623) 850-1220

WE SPECIALIZE IN HELPING INDIVIDUALS WITH CREDIT ISSUES: YOUR JOB AND DOWN PAYMENT DETERMINE WHETHER OR NOT YOU DRIVE! Benefits: 0% Interest Upgrade your vehicle as your situation changes Downgrade your vehicle as your situation changes Credit is irrelevant. Open Bankruptcy approved Any income accepted - Child Support, Unemployment, Job letters 100% Warranty for the duration We pay your registration The other guys: Limited warranty Don't accept all forms of income Cannot upgrade your vehicle as your needs change Cannot downgrade your vehicle as your needs change Cannot return the vehicle (Well you can but it's called a repo) No free oil Changes You're paying interest rates Don't offer 100% Warranty Credit plays a role in the approval process We carry trucks, cars, vans, Sport Utility Vehicles....you name it, we may carry it. We have locations all over the valley. Can't make it to us? We'll setup transportation. Open 6 days a week Down payments as low as $399 to get you on the road. We don't do short term leases (For those who want a vehicle for the weekend..etc) CALL 623-850-1220 LOCATIONS ALL OVER THE VALLEY OPEN ON SUNDAYS TOO- BY APPOINTMENT

WWW.AZPMS.COM

Always keep up with your credit report

Five Reasons to Check Your Credit Report Regularly

In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.
Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we don't live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit report:
Inaccuracies & Mixed Credit Files
Many inaccuracies on a credit report can be the result of simple human error, and are therefore are not difficult to dispute. Of course, if you don't order your credit report, you might never know about it. Whether the inaccuracies relate to payments not credited, late payments, or data mixed in from the credit file of someone else with a name similar to yours, you will want to contact the credit bureau to dispute inaccurate information promptly.
Tracking Payments
One of the most important elements of credit is a demonstrated history of on time payments. Once you send the check though, anything can happen--a delay in the payment being received can kick you over to a 30-day delinquency. If you call your creditor and explain the situation, they might adjust the information. Of course, if you don't read your credit report, you won't necessarily know which payments are being received and reported properly.
Identity Theft
This issue alone is reason to order your credit report immediately. Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copy of your credit report, which will show you if there are accounts listed you know you haven't opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account. Inquiries
If you're shopping around for a loan or more credit, you should know that when creditors check your credit, it places an inquiry on your credit report. Inquiries can add up, which is often interpreted as a negative by creditors. For this reason, too many inquiries can actually make getting credit more difficult. Moreover, if you didn't authorize someone to look at your credit report and they did, they may have broken the law.
Credit Fraud--Unauthorized Charges
Credit fraud involves the theft of your credit card or account number to make unauthorized charges to your account. Though consumers are protected financially from this abuse, other creditors may take note of all this activity and decide to raise your interest rates or refuse to grant you a loan. Ordering your credit report will help you catch new activity on accounts that you haven't been using, or may have closed.
When it comes to managing your credit worthiness, your credit report is your best resource. Ordering your credit report gives you the opportunity to manage your credit wisely today, while planning your credit strategy for achieving future goals--a credit-savvy move every consumer should make! Click Here to Learn More About Credit Repair


One of the things I ask when working with customers who are trying to get into a vehicle is, "Tell me about your credit situations."

What I have found is that most people don't know. I do find this hard to believe. If you have had a vehicle repossessed, you know. If you haven't "paid attention" your credit report shows. This information will determine whether or not you go into secondary financing or buy here pay here. It's when I get these types of responses that I choose not to work with a customer. My job is simple:

1. Get you into a vehicle you qualify for
2. Put you with a good dealer not some P.O.S
3. Make sure you are the road to improving your financial situation

www.theautostoreaz.us

Why our Services are Valuable

If you don't know or work in the Industry, you need help navigating the deceptive auto purchase world

The automotive industry is filled with dealer kickbacks and special programs that affect your loan and you're not even aware of. It doesn't matter if you have bought hundreds of cars in your lifetime. It doesn't matter if you "think" you got a good deal. Here are some alarming things to think about. FILING A COMPLAINT AGAINST A DEALER OK, YOU'VE JUST GOT SCREWED BY A DEALERSHIP AND YOU NOTIFY YOUR ATTORNEY GENERAL'S OFFICE OR STATE BANKING- FACT OF THE MATTER IS THAT THEY DON'T CARE. UNLESS THEY GET TONS OF SIMILIAR COMPLAINTS AGAINST A DEALER, THEY DON'T ACT. THEY TELL YOU IT'S A CIVIL MATTER AND TELL YOU TO GET AN ATTORNEY. IF YOU DON'T BELIEVE ME, HERE'S SOME FOOD FOR THOUGHT...HOW'S THAT DO NOT CALL LIST WORKING OUT FOR YOU? THE BBB, ALTHOUGH THEY ARE A GREAT SOURCE OF INFORMATION- THEY HAVE NO POWER. THEY ARE SIMPLY A PRIVATE COMPANY. THEY CAN'T FINE A COMPANY, THEY CAN'T FILE CHARGES OR INITIATE ANY LEGAL REMEDY. AZDOT, THEY WORK IF YOU BELEIVE YOU ARE GETTING JERKED AROUND WITH YOUR PLATES OR TITLE AFTER HAVING PAID OFF A VEHICLE YO-YO FINANCING YOU'VE SEEN IT MANY TIMES. FIRST AND FOREMOST IT DOESN'T TAKE 4 HOURS TO PURCHASE A VEHICLE. DEALERS NEED TO UNDERSTAND THAT YOUR TIME IS VALUABLE. IF YOU HAVE BAD CREDIT, OR GOOD CREDIT, WHY SIT ANYWHERE FOR THAT DURATION OF TIME AND NOT GET COMPENSATED? IF YOU HAVE GOOD CREDIT AND YOU HAVEN'T SECURED YOUR OWN FINANCING, YOU NEED TO BE HIT UPSIDE YOU'RE HEAD. YOU SHOULD ALREADY KNOW WHAT YOU WANT, YOU SHOULD HAVE ALREADY READ UP ON THE VEHICLE AND COMPARED PRICES OF THAT VEHICLE. A CREDIT UNION WILL GIVE YOU AN APPROVAL AMOUNT AND THEN ALL YOU NEED IS A PURCAHSE ORDER.  THE DEALER GETS MORE MONEY BY USING THEIR FINANCING. REGARDLESS OF WHAT THEY TELL YOU, THEY POINTS ON A LOAN. YO-YO FINANCING IS THE DRIVE OFF THE LOT TODAY BRING THE CAR BACK LATER. PLENTY OF TERMS THEY LIKE TO USE IS, "WE NEED TO RE-DO THE FINANCING PAPERWORK. IF YOU CHOOSE THIS ROUTE, READ THE CONTRACT LINE FOR LINE. IF THEY CHANGE LENDERS AND THE TERMS ARE THE SAME, THAT SIMPLY MEANS THE DEALER SWITCHED LENDERS TO GET MORE MONEY. YOU CAN WALK AWAY FROM THE TABLE AND GET EVERY PENNY YOU ALREADY PUT INTO THE DEAL. IF THE DEALERSHIP SOLD YOUR TRADE-IN, THEN CONTACT AN ATTORNEY AND DO NOT RETURN THE VEHICLE.  HD Spy Pen Hidden Camera Camcorder Mini DV DVR Video Business Portable Recorder SO HOW CAN WE HELP? FIRST WITH OVER 10 YEARS IN THE FINANCE INDUSTRY FROM CREDIT REPAIR TO MORTGAGE LOAN MODIFICATIONS, WE KNOW WHAT THE DEALER IS GOING TO DO BEFORE THEY OPEN THEIR MOUTH. AGGRESSIVE NEGOTIATIONS FOR GOOD CREDIT. BAD CREDIT, UNFORTUNATELY YOUR POWER OF NEGOTIATION IS LIMITED. (BASICALLY NONE) SO MANY DEALERSHIPS, WHICH ONES ARE GOOD WHICH ONES ARE BAD? YOU BASICALLY DON'T KNOW. IF YOU'RE NOT IN THE INDUSTRY COMING IN CONTACT WITH THE BULK OF THE DEALERS ON A DAILY BASIS GET HELP. A VEHICLE IS MORE IMPORTANT THAT BUYING A HOME. A VEHICLE CONTROLS YOUR INDEPENDENCE TO GO WHERE YOU WANT TO WHEN YOU WANT IT CONTROLS HOW YOU GET TO AND FROM WORK AS WELL AS OTHER APPOINTMENTS BAD CAR = NO JOB = NO HOME BAD CAR = MULTIPLE REPAIR BILLS, STRANDED, STRESS, = NO JOB = NO HOUSE www.azpms.com

How dealers confuse people with their ads

There are a lot of tactics dealers use to confuse you.
How about my most favorite advertisement that dealers use: Special lenders on hand First, what's a special lender? Do they have some type of disability? It's the same dam lenders Monday thru Sunday. All lenders offer is a break in interest rates for well-qualified buyers 700+ fico They advertise, "Even if you have Past repos, judgments, liens we can help.....on approved credit All applications accepted Ok, first Federal Law requires that you accept any and all applications Federal Law States you can't deny someone of age the right to apply for a loan All applications doesn't mean all applications approved If you're tired of the games and searching Craigslist for the right dealer for your own very specific situation, contact us. Dealer's job is to get you on the lot, get the appointment and either slam you into a vehicle you don't want or push you to come up with a co-signer....(Would have been nice if they told you this before you spent 4 hours on the lot on your day off)     Sample Inventory:

 

 

Bad Credit can be frustrating when trying to purchase a vehicle

Finally, someone who can can help
Like a "Realtor" for Auto purchases" WE ALSO CAN HANDLE LIABILITY ONLY INSURANCE Specialty is working with people who have credit issues.  With so many ads and F-rated dealerships out there, who can you trust. How many dealers talk to you for 3 minutes and say, "common in  I can help you." In 3 minutes there is no way they know if they can help you. Every buy here pay here dealership is different. Which dealers dress up junk to look pretty? The dealers we work with: Rent to own Buy here pay here 3rd Chance bank financing Secondary Bank financing Cash Cars Highline vehicles (Audi, Mercedes, BMW, Lexus, Infiniti, Porshe, Acura) Highline buy here pay here vehicles (Audi, Mercedes, BMW, Lexus, Infiniti, Porshe, Acura) Obstacles: 1-day on the job (Or have offer letter just haven't started) $299 down (Deferred down payment) $499+ down Mexican Drivers License Can only afford Liability insurance Job letter Social Security/Disability income Residing on the Reservation New in the area Multiple Repos Open Bankruptcy Identity Theft No drivers License (Cannot be suspended) 1st Time buyers (You get only 1 chance to do it right) Liabiltiy insurance only We don't work with everyone. Serious individuals only. We get you into what your situation qualifies you for. Example: You have bad credit, but you want something you know dam well you can't afford or even qualify for even with no credit check...and you want to put $500 down. Don't call us. We don't care what your friend got into..it's a lie or you would already be at that lot. We get you into what you need to fix your situation. Pick the wrong dealer or make a bad decision, and guess what...you have another repossession, the dealer takes the car back, and sells it to the next person. Stop the vicious cycle.  Also get insights on credit repair. Your time is valuable and so is ours. We will listen and "diagnose your situation and then make the necessary referrals to the dealership. In some situations we are present already at the lot. All transactions are monitored. We only work with top rated dealerships. No yo-yo financing is tolerated. All violations are reported to state banking. Dealer pays for service never the customer. No more lying sales representatives No more lying about a vehicle being sold right before you showed up No more lying about approvals No more approved today, bring the car back tomorrow No more sitting on a lot for hours because the dealer said they can help you - when they really couldn't Just because you work on a lot that takes bad credit doesn't make you a credit specialist......you're just a sales rep http://www.theautostoreaz.us/ Access to tons of hand picked dealers Monday thru Friday 10am to 5pm Saturday 10am to 3pm Sundays: By appointment (very few lots open on Sundays) www.facebook.com/azpms See what a real credit specialist looks like.	Sample inventory Website: Monday thru Friday 10am to 5pm Satureday: 10am to 3pm Sundays: By appointment only 623-295-9089 (No soliciting) Facebook:

Applying for a loan

Applying for a Loan?--Start by Ordering Your Credit Report

If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it’s also the first thing a potential creditor will be looking at, and even if you pay your bills on time, you will want to ensure that all the information in your credit file is up-to-date and accurate.
Studies have shown that many credit files contain inaccuracies that could affect your credit rating, and even lead to the rejection of a loan application. That’s why reviewing your credit report beforehand may be a good idea, giving you time to dispute any items that may be the result of simple human error or a technical glitch.
And depending on whether you are applying for an auto loan, a mortgage loan, or a loan for business or personal use, different lenders may apply different standards in rating your credit worthiness. For this reason, reading your credit report and understanding how your credit data might be interpreted may give you a chance to improve your credit worthiness from the point of view of a lender.
Before you begin the application process, check your credit report for the following items:
Clerical Inaccuracies
Sometimes credit reports contain inaccuracies that are the result of a computer glitch or a clerical error. These may include payments not credited, late payments, or data mixed in from a credit file of someone with a name similar to yours. Ordering your credit report will quickly show you what the lender will see--then it’s up to you to dispute any information that you consider inaccurate.
Excess Unused Credit
To make your credit more attractive to a potential lender, you may wish to consider reducing the number of revolving charge accounts that are listed as active on your credit report. Lenders will sometimes view too much revolving debt as a negative when considering a loan application.
In situations where you have stopped using a credit account, it is often a good idea to close the account if you don’t plan to use it anymore. Make sure your creditor notates the account “closed at consumer’s request”--otherwise, a prospective lender might assume the creditor closed the account for other reasons.
A few credit cards managed well may improve your chances for a loan--particularly a mortgage loan, where lenders use stricter qualifying guidelines. Another rule of thumb is to keep balances on credit cards around 75% of the available credit limit. Ironically, credit cards that have lots of room on them may be viewed as potential debt, while maxed-out cards make you a less desirable credit risk--both of these situations could compromise your ability to obtain a loan.
30-day and 60-day Late Payments
Even if your credit report contains a couple of 30-day late payment entries that are accurate, many lenders will overlook the occasional late payment if you explain the situation and your credit is otherwise good. Try to avoid any payment being 60 days late however, as this may be a red flag for some lenders--even if they do grant you the loan, it may come at a higher rate of interest and with less favorable terms.
The primary period lenders are interested in on a credit report is the last two years, so try to maintain on time payments, and verify that the payments are being credited properly by checking your credit report regularly.
Avoid Unnecessary Inquiries
Each time a prospective creditor looks at your credit report, an inquiry notation is added to your file, and most inquiries stay on your credit report for up to two years. Inquiries you make yourself, inquiries made during screening for a pre-approved offer of credit, or an inquiry that is part of a background check for employment purposes are not reported to potential credit grantors.)
It is best to avoid over-applying for credit and running up excessive inquiries, for the simple reason that lenders of creditors may think you’re trying to get credit due to financial difficulty, or taking on more debt than you can repay.
Lenders do of course realize that some inquiries are a result of shopping around for the best rates on a loan, and so they will often overlook a block of inquiries within a very recent period. It may help if you explain the inquiries in the application process.
Understanding how your credit report affects your financial future is the key to smart credit management. Incorporating a review of your credit report into your financial planning is also one of the best ways to make sure you meet your goals--especially when those goals involve major purchases, and you’re shopping for a loan with the most favorable terms possible. Learn More.

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