Just get approved from your credit union and don’t deal with dealer for getting approval. Then talk price. Throw your trade in after you worked the final price. It’s that easy. Pay fees and taxes out of pocket. You don’t want to finance fees or add on.
Bro I've been watching your videos the past 2 days. You should have been a professor. You are explaining everything so good. You cover everything without making it hard for a non car person to understand everything.
I'm starting a new job and yes, I will go and open up a new account at a credit union prior to purchasing a vehicle. I didn't realize that getting a secured credit card from a credit union could have that much of a positive effect on one's credit score. Having said that, I'm also thinking that if the dealership doesn't initially offer me good finance terms, I could refinance with the credit union instead for better terms.
Thanks for the info because I'm a contractor & professional musician/producer & have to buy another car like "yesterday!" Since the car I own '93 Toyota" is giving me more trouble than it should after I just had the engine rebuilt for $2,100.00! And it's already back in the shop because my tail lights stopped working & the mechanic hasn't figured out the problem after 2.5 days already! Also, the battery & check engine light came on while I was driving! So, I'm literally losing money since I have to have a car to earn income! Fortunately, I actually have a great credit history of 100% paid on time credit card accounts for over 5 years in a row. I really should've spent that $2,100. on a down payment for a quality used car instead of getting my car's engine rebuilt! Live and learn! Wish me luck peeps! Thanks in advance!
Lucky I follow Will Rountree and Mike @ The Credit Game. I can help others with their credit just like you explained. I had to do it myself and went from 572 to mid 750's in 90 days.
A tradeline means that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but they're credit history will reflect on your credit report...a parent or family member with EXCELLENT credit can be a "tradeline" I graduated college with 97,000 in debt"...that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off...Having that much debt can be overwhelming for ANYONE...Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found Kyle and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot PROCYBERFLIP🟡COM
Great tips. Given that you are in the trenches with credit challenged customers 24/7, your suggestions have a lot of credibility. One thought is that some of the credit challenged might be better off buying basic transportation for cash and avoiding additional debt, but that's a different conversation.
How do I start this review? honestly I do not enjoy writing much, but I have to let the world know about this genius that helped me. Seriously I needed a home for my family, but I couldn’t get one because of the evictions, two late payments from 2015 on a credit card, charge off on my record and 568 TransUnion score. I read many good reviews about Credit MasterFix Group online. 9 days after I contacted them and subscribed to their services, they increased my score to 802 and improved my credit profile by removing the evictions, charge off, late payments and other negatives, I sincerely acknowledge their relentless efforts and urge you to contact them for any credit related issue. Here is his Email: 'Michael@creditmasterfix.com'. Thanks.
Thank you for this video . I was wondering how I could buy a vehicle with the type of credit I have. I `ve been saving for awhile and hope to get at lest $ 5 or $6000 saved up before I go shopping for a car hopping by end of summer or early fall. Very helpful thank you again.
Hope you are all staying safe. I had judgments on my profile last year plus unpaid hospital bills I couldn’t payoff as I was facing repossession on one of my properties. I NEEDED to get my credit score up and at the same time clear the loans out. I saw a review of Credit MasterFix Group on here and I contacted them at :[Michael@creditmasterfix.com] : I Spoke with one of the company’s agents, Mr. Michael, and he put me through on how to go about it and they got it fixed in 12days. I can recommend them as a team of experts because they got the job done. Heartfelt appreciation to them.
@@victoroyebamiji8169 I recommend you use the help of a professional, finding a legit Credit Expert can be a difficult task these days, I came across Royson Brandon from Credit Masterf-Fix LLC on a credit repair discussion forum and I gave him a try and surprisingly they upgraded my credit score from mid 600 to 800+ and wiped off all debts and negative reports on my credit. They are absolute perfect fit for any credit repair issues you might be facing. Feel free to look him up [Royson@CreditmasterFixllc.com]
Hey sir I appreciate the advice I'm about to go get a car my credit is not the best but I've been working on it I've been paying off a lot of creditors and working with someone to help me get those taken off my credit hopefully I succeed and I appreciate the advice you're freaking awesome you got a new subscriber!!!
I love this video man I don’t have the patients for bs just like you say be honest I’m always honest I always want the dealers to be honest not all of them are and I’m not the type of person you can just play around with don’t put your life on the line for a car business you can possibly get the wrong customer so yeah respect on the be honest part both parties have to be honest
Some months back I tried renting an apartment from TRUILA but I had a low credit score of 616 due to my unpaid student loans. So I was being denied of every offer due to my credit. I had lived with my sister for quite some time ,when she put to birth the house became cramped. I was recommended to Credit MasterFix Group by a co worker. I contacted them at [Michael@creditmasterfix.com]. They got back to me almost immediately, we came to an agreement and they started to work on my credit profile. 10days after the work my score jumped +170 points , they marked all late payments as on time payments and cleared the negatives affecting my file. I issued for the rental again this time on Zillow and was given a home. I’m glad I met Credit MasterFix Group.
Hey thank you for the video first off. Second is is my credit just dropped and I need a car so I going a really good deal on a Honda low milage but everyone is trading me wait for your credit to go back up. I took all your steps but i don't want to miss these deals
Get good Credit. Never EVER put money down. All profit for them. It is not your problem on what bank they choose or not choose, they either want to sell the car or they dont. Dont let these types of people pursade you into putting 1 or 2 k down, hell even 500$. It wont reduce your payment by that much in the long run, you just need 750+ credit and solid income and then let them fight over who will give you the lowest APR and Overall PRICE. Always make them drop the sticker price of the car, dont let them keep you focused on the monthly payments etc being lower if you put more down.
A more informative video would be "how to stay disciplined, and pay down your debt." Having said that, this is an informative video. There was a time in my past that I was turned down for a car loan, and this would have helped.
I bought a car with bad credit, once, worst mistake I ever made. That car took out so many credit cars, payday loans, you name it, defaulted on them all.
15 usc 1605 states that the amount of the finance charge SHALL be determined as the sum of ALL charges... It also states the finance charge does not include charges of a type payable in a comparable cash transaction (down-payment)... So it's OK for you to break the law?!
15 USC 1605 Definition of a Finance Charge; A Consumer Credit Transaction: Down Payments are Illegal REPOSESSIONS: MUST be PEACEFUL, U.C.C. 9-601-628 Default of Collateral, LATE PAYMENTS ARE ILLEGAL 15 USC § 1681A(2)(a)(i)
Credit MasterFix Group remains the best credit expertise I have known. I had seven negative things on my credit that were holding me back. One of them is from Capital one another from Sears whom I paid off and I am not sure of the others but they are both 11 years old. I filed bankruptcy 11 years ago and settled with all of these. My attention was called that they are still on my reports, I recently got referred by my pastor to hire (Michael@creditmasterfix.com) which I did and he helped me fix my credit and my score jumped by a huge 250pts. I recommend anyone that needs to fix his or her credit to get through with him. He is good at what he does.
some years ago, I went to a major dealer, after going through all the b.s. , they requested a blank check to hold just in case I couldn't bring the whole down, when I went back down, I found out that they forged my signature, and cashed my check, I so upset, I know they are trying to sell cars, but seriously, I still had time according to the agreement
I’m 100% with you since I made this video a few banks actually changed their program because of C-19 so now if you here laid off due to that. You get full job time now
I recommend you use the help of a professional, finding a legit Credit Expert can be a difficult task these days, I came across Royson Brandon from Credit Masterf-Fix LLC on a credit repair discussion forum and I gave him a try and surprisingly they upgraded my credit score from mid 600 to 800+ and wiped off all debts and negative reports on my credit. They are absolute perfect fit for any credit repair issues you might be facing. Feel free to look him up [Royson@CreditmasterFixllc.com]
@@Gunterforever You can try most creditors won’t put it in writing and most will not follow through also I’ve had it where I’ve had it in writing where you could pay off the creditor and they’ll sell the debt to somebody else and it’ll pop back up on your credit lol
@@LuckyLopez777 haha, noted, so if its not in writing that they wont sell the debt after payment, an that it must be removed from my report, no payments will be sent on my end lmao.. but I plan to go the dispute route anyway, keeps my account looking lean an mean lol,
What you're leaving out of the equation is a person's character. A lot of people I've known that have had recurring bad credit issues was because of their character. You can't really fix that. A car dealership is going to let you work the subprime market ? What ? Something is not adding up here.
Very usefull, thanks a lot! Could you please also cover the topic of buying cars for cash. Is it better than credit? For example, I have 10k for a car - how less it will cost me to buy for cash vs credit? Can I have some special discounts or its opposite? Thank you in advance
Click the subscribe button, smash the like button... before you hear what I got to say... how about, if you liked the content hit the like button and if your down for some more subscribe and thanks for sticking through till the end.
I’m curious about the guy who lost $8000. If he was down on his luck and the dealer said it was his choice if he gave him his money back and choose not to. And, from the sound of it not even a small bit back to get back on his feet. Seems like one of those just because you can doesn’t mean you should scenarios from a morality standpoint, especially if the dealer is way better off financially.
Was loving his channel until that comment... so since he didn't come back and pay the other 2k I understand for you to repo the car but to keep the 8k ... yeah I get it he didn't call or whatever have you did you ever think possibly he was simply embarrassed of his situation and was too embarrassed to call ... or maybe something is going on in his life he didn't feel comfortable talking about... okay okay keep 1 or 2 grand for the inconvenience or whatever but to keep his 8k when he is down on his luck and clearly you own a car lot and probably not struggling financially and you keep his money... how do you sleep at night? This is very disturbing and says a lot about your character! Definitely lost a follower I can't feel okay about supporting a channel with someone who can screw people over and not feel an ounce of remorse business or not its wrong !!
Hey man looking to buy a car of $92k Score is 710 with tradelines and credit cards. Utilization is 0. I make over $250k a year, putting $18k down. Think I’ll get approved? I defaulted on student loans in 2018. I found out about it and been repaying on a 9 month program meant to remove that status after completing it. I’ve completed it yesterday so they said it’ll take 30-45 days to delete but I want to buy the car now. Wondering what you think.. my buddy that works at a dealership said I’ll be good but I’m worried
Great question on most to buy here pay here lot they don’t pay extra to report to credit bureaus I am one of the only ones in the state of Nevada that actually reported to all three credit bureau‘s so most times you don’t have to worry about it affecting your credit. But every once in a while a BHPH lot will send the account to collects. But all those things are very rare because it cost money to chase people for money lol
A lot of Americans suffers credit errors because they haven’t met the right one to help them out, so they go ahead falling into the wrong side. I was once a victim of that scandal but after I made the right choice by contacting Credit MasterFix to fix my credit which he did exactly what I was expecting. He got all the items in my report including collections, hard inquires, loans, medical bills, and bankruptcy deleted. This boosted my score from 510 to 780 plus and everything is now working perfectly on my credit, I got approved for the capital one credit card I applied for. He is also good in fixing of Chex Systems. If you need help just reach out. kindly contact him now Email: 'Michael@creditmasterfix.com'
I have a question I need a 4x4 truck for work I know you said 10,000 dollar car but I have 10 k down would that help my chances on a decent truck ? Lord knows trucks are expensive
I wonder, can I be authorized user if I have a credit score of 690? I've been gunning to get one of the newer silverados as of late and I want to be able to have the best interest rate possible
Hi lucky I’m trying to buy a new rav4 with a 660 credit score but I’m an independent contractor, I don’t have pay stubs. I also have about 10,000 in cash, where can I go to be hassled the least but also get a decent apr? Please help, I come from an immigrant family and community where no one truly understands American finances 😅
thanks for the video. if i wanna buy tesla and i don't have a credit card, have only very low company bank account. BUT my friend wanna help as co-signer and he has a good credit and wanna put 50% down payment. will that help me to buy one?
@@LuckyLopez777 Question: if I pay off a credit card in collections can I request a deletion letter , so it gets removed from my credit report if I pay off the balance ??
why are you saying you must put a down? 15 USC 1605 finance charge. asking a down is not legal. you can not ask for a down and withholding information 15 USC 1611 so you have just committed a couple felony crimes.
can I still get a car if I had bankruptcies like 11 years ago for student loans but have paid everything on time since than. I got turned down for a loan on a car many years ago but did not think of putting down a down payment on the car to see if that would have helped to get the loan.
Every dealership is different most franchise stores it’s 60 to 90 days but I’ve seen some dealers cold cars on their lots for over a year the good rule of thumb is to always get rid of a car after 120 days if it hasn’t sold 120 days it’s not going to sell on your lot get rid of it get something new
I recommend you use the help of a professional, finding a legit Credit Expert can be a difficult task these days, I came across Royson Brandon from Credit Masterf-Fix LLC on a credit repair discussion forum and I gave him a try and surprisingly they upgraded my credit score from mid 600 to 800+ and wiped off all debts and negative reports on my credit. They are absolute perfect fit for any credit repair issues you might be facing. Feel free to look him up [Royson@CreditmasterFixllc.com]
Just get approved from your credit union and don’t deal with dealer for getting approval. Then talk price. Throw your trade in after you worked the final price. It’s that easy. Pay fees and taxes out of pocket. You don’t want to finance fees or add on.
Perfect advice for someone who has absolutely zero credit issues, your input is exactly what everyone came here for....
Okay, so if you have bad credit, can you go to the credit union and see what they say?
Bro I've been watching your videos the past 2 days. You should have been a professor. You are explaining everything so good. You cover everything without making it hard for a non car person to understand everything.
I'm starting a new job and yes, I will go and open up a new account at a credit union prior to purchasing a vehicle. I didn't realize that getting a secured credit card from a credit union could have that much of a positive effect on one's credit score. Having said that, I'm also thinking that if the dealership doesn't initially offer me good finance terms, I could refinance with the credit union instead for better terms.
Im a car guy my self been in the business for 5 years and idk how you dont have a million subscribers man. Great content keep it coming!
I’m working on it lol. Thanks for them comment. The car biz is insane right now
I fucking love this guy he’s gets straight to the god damn point . Subbed . My man thank you .
Thanks Jay 👍
You took the words right out of my mouth
Thanks for the info because I'm a contractor & professional musician/producer & have to buy another car like "yesterday!" Since the car I own '93 Toyota" is giving me more trouble than it should after I just had the engine rebuilt for $2,100.00! And it's already back in the shop because my tail lights stopped working & the mechanic hasn't figured out the problem after 2.5 days already! Also, the battery & check engine light came on while I was driving! So, I'm literally losing money since I have to have a car to earn income! Fortunately, I actually have a great credit history of 100% paid on time credit card accounts for over 5 years in a row. I really should've spent that $2,100. on a down payment for a quality used car instead of getting my car's engine rebuilt! Live and learn! Wish me luck peeps! Thanks in advance!
Lucky I follow Will Rountree and Mike @ The Credit Game. I can help others with their credit just like you explained. I had to do it myself and went from 572 to mid 750's in 90 days.
Can u help me pls
Damn this guy is full of great information!
Thanks Matthew 😁👍
@@LuckyLopez777 Send me your info brother I’m looking for a second work vehicle. Pick up truck.
Lucky..I agree with you. HONESTY IS THE BEST POLICY!
Always look for ways to make it work, together.
Thanks :)
A tradeline means that you are a authorized user of someone else's credit card. You don't have to have possession of the card, but they're credit history will reflect on your credit report...a parent or family member with EXCELLENT credit can be a "tradeline" I graduated college with 97,000 in debt"...that right there is a Huge problem..schools have become a business that drain students of money and yet, no one is stepping in to help the students who then graduate with massive debt and have difficulty paying it off...Having that much debt can be overwhelming for ANYONE...Especially a young 20 something who hasn't even began their career. But i really thank you for this video because i found Kyle and within few week they fixed my Credit score which is hindrance by student loan and added a large tradeline thanks a lot PROCYBERFLIP🟡COM
I never regret for once knowing you
I never regret for once knowing you
Don’t sign a contract you don’t read
Great tips. Given that you are in the trenches with credit challenged customers 24/7, your suggestions have a lot of credibility. One thought is that some of the credit challenged might be better off buying basic transportation for cash and avoiding additional debt, but that's a different conversation.
Very true! cash first. save the money to fix their credit
How do I start this review? honestly I do not enjoy writing much, but I have to let the world know about this genius that helped me. Seriously I needed a home for my family, but I couldn’t get one because of the evictions, two late payments from 2015 on a credit card, charge off on my record and 568 TransUnion score. I read many good reviews about Credit MasterFix Group online. 9 days after I contacted them and subscribed to their services, they increased my score to 802 and improved my credit profile by removing the evictions, charge off, late payments and other negatives, I sincerely acknowledge their relentless efforts and urge you to contact them for any credit related issue. Here is his Email: 'Michael@creditmasterfix.com'. Thanks.
Thank you for this video . I was wondering how I could buy a vehicle with the type of credit I have. I `ve been saving for awhile and hope to get at lest $ 5 or $6000 saved up before I go shopping for a car hopping by end of summer or early fall. Very helpful thank you again.
This is one of the best helpful info on buying a vehicle will be subscribing for sure
Thanks for the awesome comment 😎
EXCELLENT! STRAIGHT UP, THIS VIDEO IS THE ONE TO WATCH.
Thanks :)
You are my new favorite person. Thank you for all of the "real world application" tips. You are straight to the point. Good information. 👍
It’s easy to meet expense - everywhere you go, there they are.
Hope you are all staying safe. I had judgments on my profile last year plus unpaid hospital bills I couldn’t payoff as I was facing repossession on one of my properties. I NEEDED to get my credit score up and at the same time clear the loans out. I saw a review of Credit MasterFix Group on here and I contacted them at :[Michael@creditmasterfix.com] : I Spoke with one of the company’s agents, Mr. Michael, and he put me through on how to go about it and they got it fixed in 12days. I can recommend them as a team of experts because they got the job done. Heartfelt appreciation to them.
@@victoroyebamiji8169 I recommend you use the help of a professional, finding a legit Credit Expert can be a difficult task these days, I came across Royson Brandon from Credit Masterf-Fix LLC on a credit repair discussion forum and I gave him a try and surprisingly they upgraded my credit score from mid 600 to 800+ and wiped off all debts and negative reports on my credit. They are absolute perfect fit for any credit repair issues you might be facing. Feel free to look him up [Royson@CreditmasterFixllc.com]
i been lookin for videos like this for months now and this is the first one that actually helped me. actually impressed me too
I've never heard of the authorized user credit band aid, or refinancing a vehicle. Thanks for all the great material.
Hey sir I appreciate the advice I'm about to go get a car my credit is not the best but I've been working on it I've been paying off a lot of creditors and working with someone to help me get those taken off my credit hopefully I succeed and I appreciate the advice you're freaking awesome you got a new subscriber!!!
Thank you so much I appreciate it
Thank you Lucky, new subscriber here. Very informative video and great information.
2 years late to this video and it was good!
Thank you I’ve learned a lot how about Furniture bills I pay all my furniture off and two of my 💳 credit cards
Saving Money :)
You had me at Substitute Pimp 🤴🏽
LOL :)
I love this video man I don’t have the patients for bs just like you say be honest I’m always honest I always want the dealers to be honest not all of them are and I’m not the type of person you can just play around with don’t put your life on the line for a car business you can possibly get the wrong customer so yeah respect on the be honest part both parties have to be honest
Facts!!!!
You're amazing bro - the most entertaining and informative channel on RUclips- I can tell u truly want to help people
I appreciate that!
Ypu are the Best in the business, thank you for your honesty , work and time you put in to these videos.
They are actually useful to anyone.
Good Info - I am learning a lot.
Some months back I tried renting an apartment from TRUILA but I had a low credit score of 616 due to my unpaid student loans. So I was being denied of every offer due to my credit. I had lived with my sister for quite some time ,when she put to birth the house became cramped. I was recommended to Credit MasterFix Group by a co worker. I contacted them at [Michael@creditmasterfix.com]. They got back to me almost immediately, we came to an agreement and they started to work on my credit profile. 10days after the work my score jumped +170 points , they marked all late payments as on time payments and cleared the negatives affecting my file. I issued for the rental again this time on Zillow and was given a home. I’m glad I met Credit MasterFix Group.
Thanks Hamzah. We appreciate the comment 😁
Hey thank you for the video first off. Second is is my credit just dropped and I need a car so I going a really good deal on a Honda low milage but everyone is trading me wait for your credit to go back up. I took all your steps but i don't want to miss these deals
“I don’t care if you’re a substitute pimp” 😂 Great info and great personality!
Wow!!! This information was huge and extremely useful.
Thanks :) Glad it was helpful!
I would push back and that collections.
I recently got mines all deleted.
You’re right about the credit score increase though
Get good Credit. Never EVER put money down. All profit for them. It is not your problem on what bank they choose or not choose, they either want to sell the car or they dont. Dont let these types of people pursade you into putting 1 or 2 k down, hell even 500$. It wont reduce your payment by that much in the long run, you just need 750+ credit and solid income and then let them fight over who will give you the lowest APR and Overall PRICE. Always make them drop the sticker price of the car, dont let them keep you focused on the monthly payments etc being lower if you put more down.
Credit is King 👑
Spot on 🔥
Best video I came across on you tube!
Such a great informative video! So man credit hacks!!! Wish I was taught these things when I was younger before getting credit cards.
Thanks 😁👍
people forget salesman/finance guys are just middle men or the “bank” themselves (the dealership)
Thank you for this video. This was Great! Really helpful while I’m trying to purchase a vehicle!
I usually don’t sub right away......but you gave me such good insight and idea that a like wasn’t enough.
Peace
Appreciate it 😁👍
A more informative video would be "how to stay disciplined, and pay down your debt." Having said that, this is an informative video. There was a time in my past that I was turned down for a car loan, and this would have helped.
yes sir. all true
Really appreciate all your advice. Thank you so much. You now have a new subscriber 😊
Thanks for watching 😁
0.21 seconds ✅ preach brother
💯
This is a great video & authentic 🎯
I bought a car with bad credit, once, worst mistake I ever made. That car took out so many credit cars, payday loans, you name it, defaulted on them all.
Very good information, for it I just subbed. You've given me a glimmer of hope !
Thanks and welcome to the AL family :)
It's new coast direct, love the info 😊 thanks
😁👍
15 usc 1605 states that the amount of the finance charge SHALL be determined as the sum of ALL charges... It also states the finance charge does not include charges of a type payable in a comparable cash transaction (down-payment)... So it's OK for you to break the law?!
it's not breaking the law lol every year consumer rights try to fight it but every states lending laws for dealers are different.
thanks for sharing
🎉 FANTASTIC INFO AND SUPER VALUABLE TIPS !!!!
great info im in process of driving credit up for good interest rate
I found you via Will Roundtree him and his staff are so awesome 👌♥
Will is. the man
15 USC 1605 Definition of a Finance Charge; A Consumer Credit Transaction: Down Payments are Illegal
REPOSESSIONS: MUST be PEACEFUL, U.C.C. 9-601-628 Default of Collateral,
LATE PAYMENTS ARE ILLEGAL 15 USC § 1681A(2)(a)(i)
Credit 11:47
Great information, I need to get busy securing one or two cards!
😁👍
Will round tree helped me. Good dude
Wow. This was actually a good and informative video.nim impressed
Glad you liked it!
Thanks for this information I was about to give up
No Problem I had to start over 3 times in my life. credit is a pain in the but to fix
I found the jewelers club. What was the newport site? Thanks for the channel. Im learning a ton.
Thanks I appreciate it. You will have 2 lines of credit over 5k each soon 😁👍
We didn’t actually overspend our budget. The allocation simply fell short of our expenditure.
Credit MasterFix Group remains the best credit expertise I have known. I had seven negative things on my credit that were holding me back. One of them is from Capital one another from Sears whom I paid off and I am not sure of the others but they are both 11 years old. I filed bankruptcy 11 years ago and settled with all of these. My attention was called that they are still on my reports, I recently got referred by my pastor to hire (Michael@creditmasterfix.com) which I did and he helped me fix my credit and my score jumped by a huge 250pts. I recommend anyone that needs to fix his or her credit to get through with him. He is good at what he does.
some years ago, I went to a major dealer, after going through all the b.s. , they requested a blank check to hold just in case I couldn't bring the whole down, when I went back down, I found out that they forged my signature, and cashed my check, I so upset, I know they are trying to sell cars, but seriously, I still had time according to the agreement
But I don't think it's fair to judge on job time because lots of people had to change jobs since C-19
I’m 100% with you since I made this video a few banks actually changed their program because of C-19 so now if you here laid off due to that. You get full job time now
A lot of us dealers complained about a lot to the banks and once the banks stop getting deals they realize that they have to change the program lol
I really love ur content ima start to do what u said thank you very much
Thanks Joel we appreciate it. 😁👍
I recommend you use the help of a professional, finding a legit Credit Expert can be a difficult task these days, I came across Royson Brandon from Credit Masterf-Fix LLC on a credit repair discussion forum and I gave him a try and surprisingly they upgraded my credit score from mid 600 to 800+ and wiped off all debts and negative reports on my credit. They are absolute perfect fit for any credit repair issues you might be facing. Feel free to look him up [Royson@CreditmasterFixllc.com]
You are so great Thank You for this great advice.
"Buy Here, Pay Here" -- the pay day loan of the auto world.
Yes sir Auto rent to on is the closest to it lol
@@LuckyLopez777 the part where you said, paying it off won’t benefit your account, it will if they agree to take it off once you pay it in full
@@Gunterforever You can try most creditors won’t put it in writing and most will not follow through also I’ve had it where I’ve had it in writing where you could pay off the creditor and they’ll sell the debt to somebody else and it’ll pop back up on your credit lol
@@LuckyLopez777 haha, noted, so if its not in writing that they wont sell the debt after payment, an that it must be removed from my report, no payments will be sent on my end lmao.. but I plan to go the dispute route anyway, keeps my account looking lean an mean lol,
What you're leaving out of the equation is a person's character. A lot of people I've known that have had recurring bad credit issues was because of their character. You can't really fix that.
A car dealership is going to let you work the subprime market ? What ? Something is not adding up here.
Why do dealerships pick the car to finance you when you have less than perfect credit
Thanks for sharing useful info, I want to finance my lease end, in CA which bank is easiest for lease buyout. fair credit
Absolutely insightful. 💯 thank you. Wow ‼️what city is your dealership?
this is literally the most useful video on youtube. you are a fucking saint. THANK YOU
Excellent info! Thank you
Hey what I want to know is how to see what is actually on my credit without damaging my score, because Credit Karma shows me some bull crap
credit check total is what i use
Very usefull, thanks a lot!
Could you please also cover the topic of buying cars for cash. Is it better than credit?
For example, I have 10k for a car - how less it will cost me to buy for cash vs credit? Can I have some special discounts or its opposite?
Thank you in advance
Yes sir thats a good video Idea
Love the intro a lot of the so call Credit experts are full of s***
What’s the link for the credit card info and credit repair person
Can you please provide the websites you mentioned on the video please. I was unable to find them. 😁
Aslo thank you for your information!
Which ones?
Lots of good info but how can we negotiate a better interest rate for ourselves
Click the subscribe button, smash the like button... before you hear what I got to say... how about, if you liked the content hit the like button and if your down for some more subscribe and thanks for sticking through till the end.
I actually say that I a few of my videos lol
Try a poll with the like and sub before and after the content and watch the response.
This was good 👍🏿 thanks
0:21 😂😂😂
This made me continue listening
6:00 😂😂😂
Really just helped me out
thanks :)
I’m curious about the guy who lost $8000. If he was down on his luck and the dealer said it was his choice if he gave him his money back and choose not to. And, from the sound of it not even a small bit back to get back on his feet. Seems like one of those just because you can doesn’t mean you should scenarios from a morality standpoint, especially if the dealer is way better off financially.
Was loving his channel until that comment... so since he didn't come back and pay the other 2k I understand for you to repo the car but to keep the 8k ... yeah I get it he didn't call or whatever have you did you ever think possibly he was simply embarrassed of his situation and was too embarrassed to call ... or maybe something is going on in his life he didn't feel comfortable talking about... okay okay keep 1 or 2 grand for the inconvenience or whatever but to keep his 8k when he is down on his luck and clearly you own a car lot and probably not struggling financially and you keep his money... how do you sleep at night? This is very disturbing and says a lot about your character! Definitely lost a follower I can't feel okay about supporting a channel with someone who can screw people over and not feel an ounce of remorse business or not its wrong !!
Great info.
💯🙌
Hey man looking to buy a car of $92k
Score is 710 with tradelines and credit cards. Utilization is 0. I make over $250k a year, putting $18k down. Think I’ll get approved?
I defaulted on student loans in 2018. I found out about it and been repaying on a 9 month program meant to remove that status after completing it. I’ve completed it yesterday so they said it’ll take 30-45 days to delete but I want to buy the car now. Wondering what you think.. my buddy that works at a dealership said I’ll be good but I’m worried
Thank you!
You're welcome!
Great advice
Do most dealerships go off of your actual FICO score or your auto FICO score?
Recommend buying used car cash? If so what are good places to start?
Lucky
How do you feel about floorplans like Nextgear, AFC, etc...?
They are good. but very expensive be extremely careful if you have cars with then.
Hey Lucky, love the video. Question, if a customer is doing BHPH and they get repo, will it go on there credit??
Great question on most to buy here pay here lot they don’t pay extra to report to credit bureaus I am one of the only ones in the state of Nevada that actually reported to all three credit bureau‘s so most times you don’t have to worry about it affecting your credit. But every once in a while a BHPH lot will send the account to collects. But all those things are very rare because it cost money to chase people for money lol
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I have a question I need a 4x4 truck for work I know you said 10,000 dollar car but I have 10 k down would that help my chances on a decent truck ? Lord knows trucks are expensive
Down payment helps when you have bad credit
Thank you! 😁
I wonder, can I be authorized user if I have a credit score of 690? I've been gunning to get one of the newer silverados as of late and I want to be able to have the best interest rate possible
Jewlery club doesn't work anymore unfortunately
What’s up bro I purchased the course I can’t figure out how to log back in to that section to find the videos again
Great video
Glad you enjoyed it
Hi lucky I’m trying to buy a new rav4 with a 660 credit score but I’m an independent contractor, I don’t have pay stubs. I also have about 10,000 in cash, where can I go to be hassled the least but also get a decent apr? Please help, I come from an immigrant family and community where no one truly understands American finances 😅
thanks for the video. if i wanna buy tesla and i don't have a credit card, have only very low company bank account. BUT my friend wanna help as co-signer and he has a good credit and wanna put 50% down payment. will that help me to buy one?
Great info !!
Glad it was helpful!
@@LuckyLopez777 Question: if I pay off a credit card in collections can I request a deletion letter , so it gets removed from my credit report if I pay off the balance ??
@@jsavak99 they won’t
@@LuckyLopez777 is it better to dispute the amount to credit bureau and request that they remove it from my credit report?
@@jsavak99 yes 🙌
why are you saying you must put a down? 15 USC 1605 finance charge. asking a down is not legal. you can not ask for a down and withholding information 15 USC 1611 so you have just committed a couple felony crimes.
can I still get a car if I had bankruptcies like 11 years ago for student loans but have paid everything on time since than. I got turned down for a loan on a car many years ago but did not think of putting down a down payment on the car to see if that would have helped to get the loan.
What if a person has bad credit , say about 560. But they have decent income around 80-90k. Would they be able to finance a 40k car?
Yes you could still finance any type of amount But most of it will be based off of how big your down payment is you’re gonna look at maybe 3040% down
Hi Lucky...how long do dealers hold vehicles on the lot...is it 60 or 90 days..?
Every dealership is different most franchise stores it’s 60 to 90 days but I’ve seen some dealers cold cars on their lots for over a year the good rule of thumb is to always get rid of a car after 120 days if it hasn’t sold 120 days it’s not going to sell on your lot get rid of it get something new
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Lol hilarious... substitute pimp lol
I try lol :)