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Bad Credit Auto Financing Advice with Ms. Ed ~Episode 3 (Credit Problems)

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10 Ways to Improve Your Credit Score

Ten Best Ways to Improve Your Credit Score

If you feel like you are alone in the battle with a poor credit score, well the truth is you are not alone. There are more people more than ever before who are facing the dreaded bad credit score which isn’t allowing them to receive the loans and interest rates they want. The problem isn’t necessarily your credit score, it is the fact you aren’t being proactive to actually improve your credit score. Yes you can continue to make payments on time or pay off a past due balance which is comprised of roughly 35% of your credit history and overall scoring, but to really get your credit score back on track, you should make some additional actions. Such as:

Get a Copy of your Credit Report Annually

You can actually receive one free copy of your credit report each year from places like Annual Credit Report. From here you can start to do both of the following: First off you want to try to negotiate with creditors, because you will be surprised how willing they are able to work with you if you are having trouble making full or on-time payments. Or if you are looking to negate old 30-day, 60-day and even 90-day past due reports, if you can prove to the creditor that you are able to make payments on time, in some cases they are willing to remove those past due actions on your report. Second step, if the creditors aren’t willing to work with you and you are certain their are errors on your report, dispute credit report errors in hopes they will be removed, thus improving your credit score.

Seek Counsel and Remain Patient with Poor Credit

If you are still having trouble managing payments on time, or the full amount, if you feel like you are losing your mind, the best thing to do is remain patient, and to seek professional counseling with a consumer credit counselor. If you are someone worrying about your inability to purchase a new vehicle with an approved auto loan, then you should seek the help of Ask Ms. Ed


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Improve your Credit Score

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Posted in Ask Ms. Ed, Credit Tips

Bad Credit Auto Financing Advice with Ms. Ed ~Episode 2 (Divorce)

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Ask Ms. Ed – Bad Credit Auto Financing Advice Episode 1 (Bankruptcies)

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Totalled Truck With A Balance ~Ask Ms. Ed

Dear Ms Ed:

My truck was totaled and the insurance company is paying off most of the loan but I will still owe a few thousand when it is completely settled. I need a truck now but I was told by another dealer that since my credit is not perfect, I will have to wait until I pay off the entire balance before I can qualify for another loan. I am in a rental but I have to return it at the end of the week and have no way to get to work. Can the Mr Ed Department help me even though another dealer told me I have to wait?

“Total”ly Troubled

Dear Troubled:

YES! The Mr Ed Department can help you. While some lenders require a your loan to be paid in full, many do not, and choosing a dealership who knows where to place your loan can make the difference between you driving or walking to work. You “totally” went to the wrong dealer! Let me go to work for you – call my Loan Approval Center at 800 217-MRED (6733) or logon to mred.com and we will get you approved TODAY! We may even be able to finance the payoff on your old truck in the new loan. Put an end to your troubles and contact me now!

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More happy customers!

Randy from Phoenix said:

“I want to personally thank you for everything you did for us on our purchase of the Explorer. We are ecstatic! With 4 kids, trying to find a vehicle that fits our budget isn’t easy but you and your team did an amazing job! Every person we talked to were extremely helpful and full of smiles. You have done an amazing job of assembling an awesome team and we will come back in the next few months to buy a car of our 16 year old son!”

Sandy from Chandler wrote:

“Mr Ed Department and Mauricio,
Thank you for all the hard work you did to get us approved for our Prius. We love the car. We are thankful, appreciative and grateful.”

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Underwater On Mortgage? -Ask Ms. Ed!

Dear Ms. Ed:

My wife and I bought our house in Phoenix at the peak of the housing market. Our
$180,000 house is now worth $ 65,000. We decided to do a short sale on the house. We have a buyer but it has been 5 months and we are still waiting for the sale to go through. Last week, our car was stolen and we need a car. Can you get us financing with a short sale in process?

Underwater and Out of Options

Dear Underwater:

ABSOLUTELY! You are not alone – tens of thousands of people in Arizona have found themselves in the same terrible position you and your wife are in and Mr Ed can help you! We will get you a loan which will help you rebuild your credit at the same time! Contact my Mr Ed Loan Approval Center today by calling 800 217-6733 or login to mred.com – it is fast, easy and completely private.

Come see me!

Ms ED

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New Mr. Ed Fans in Phoenix and Chandler

Ashley in Phoenix sent a thank you card:

“I cannot thank you enough for all your help! I absolutely love my car!! If it weren’t for you, I would never had gotten such an amazing deal – 1.9% as a first time buyer!! Thank you so much!”

Jamie in Chandler emailed:

“I just want to say THANK YOU so much for all of your help. You have a wonderful staff and every person I spoke to or met was great to work with! I am so happy with my new car!”

Rebecca in Chandler wrote:

“Dear Ms. Ed: We cannot thank you enough for getting us a new, reliable car with a payment we can afford. You are truly a savior with wings!”

We are so glad you enjoyed your experiences with the Mr. Ed Department and love your vehicles!

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Surprise! Yet Another Happy Customer

B from Surprise called to say “I worked with Mitch and the Mr Ed Department at Earnhardt Honda. This was the best car buying experience in my lifetime. Even when my credit was perfect, I was never treated with the respect and courtesy I received from Mitch and your team. It was a great experience!”

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Another Satisfied Customer in Scottsdale

E.F., Scottsdale wrote:

I purchased from Mr. Ed at Earnhardt Dodge. The person that I dealt with is Bill Maxwell and he was great and that experience was incredible. If you have awards for customer service and attention to detail I would like to nominate both Bill Maxwell and Colleen Murphy for their excellence.

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