Consolidation loans are DANGEROUS, because you shift all your debt from one place to another, OPENING A NEW CHANNEL OF CREDIT, while freeing up your credit cards.

There's only one way to restore your tainted credit: Pay back what you owe. If you have credit card balances, transfer them to your lowest APR card.

Some sites give you your credit report free, but you must sign up to their credit monitoring service to get it. You are allowed one free copy of your credit report by a creditor who rejects you, otherwise it's $7.95 from most sites. Your credit report appears online, and shows who has checked your credit history too.

Get your Credit Score so dealers can't lie to you about your score. Close old accounts, they are excess luggage dragging down your credit score. Remove erroneous previous addresses and other errors off your credit report...

This could not be more wrong. Many people get upset when they get their credit score and find out just how low their credit score is...

This scam happens all the time and explains why thousands of car buyers are paying way too much APR than they should be, and don't even know it. All because they did not know their own credit score before going to the car dealer.

No you can't. If your car loan is with Greedy Bank USA, they will never refinance your car loan to a lower rate APR. Why would they? They already have you trapped. When you are auto refinancing, you must always do it through a different lender than your current car loan

Auto refinance loan applications need to be in the same names (with exact spelling) as the names on your current auto loan...

It's true, most bad credit borrowers can indeed refinance to a lower APR, but many don't think to try because they were "programmed" or duped by the dealer into thinking they are stuck at 21-25% APR.

If you are going car shopping, get your credit report instantly online right now so you'll have it and apply for car loans online now so you'll know now whether you are qualified.