What can I do when logged in?

You can submit new articles, so we can make unique versions of them and distribute them for you.
If you want to simply publish the same article on 800 websites, you can tell us to do that.
You can see the archive and current status of all your article distributions.
You can order any number of high-quality articles - just let us know your keywords.
You can browse the archive of all the articles we have written for you.
You can order our Complete Service (10 high-quality articles plus 10 article distributions).
You can purchase more credits for our services and check your affiliate earnings.
Much more ...

SpinDistribute.com Article Directory

The following article was published in our article directory on May 8, 2012.
Learn more about SpinDistribute Article Distribution System.

Why and How To Repair your Credit Rating Prior to Automobile Loan Application

Article Category: Automotive

Author Name: John St James

Credit repair is better defined as a three step process by which credit ratings can be maintained and/or increased. This article will discuss why and how credit repair is a necessary step before to financing a car. By the end of this article a consumer should understand not only the importance of credit repair in preventing bad credit car loans but the basic procedure for doing so.

The Best Auto Loan Rates

Automobile loans are subject to interest payment. Interest payment depends upon several factors. One of which is the credit rating of the applicant/borrower. Simply put, the lower the credit rating the higher the interest rates and vice versa. The best auto loan rates are obtained by consumers who have excellent credit ratings. There is no exact number when it comes to the best auto loan rates. However, as a general rule, a consumer with excellent credit rating is approved for an automobile loan that is 2% to 3% higher than a consumer with a bad credit rating is.

Auto Loan Credit Repair

Repairing one's credit means either paying for all or a substantial portion of overdue debts or entails a 1 to 6 month process of pulling out reports, verifying information reported and then disputing any false, inaccurate or obsolete information . The former is actually the simplest way to perform | conduct auto loan credit repair and usually takes less than a month from the time of payment. The latter is a bit more daunting because this type of auto loan credit repair can take as long as 6 months.

Pulling Out Your Credit Reports: Bad Credit Auto Loans

The process of avoiding bad credit auto loans starts by taking out your credit reports. This means the actual reports and not merely the summary and/or scores. If possible, avail of your free annual credit reports to save money. For more information, refer to the Federal Trade Commission (FTC) website or annualcreditreport.com. It would be best to realize that this is not going to be a simple task but fixing your credit rating to avoid bad credit auto loans is worth it.

Deciphering the Report: Bad Credit Car Loan

Once you get hold of your credit reports you will scratch your head and lose your confidence. This is because the reports seem like gibberish. Do not lose hope, you can do this! Remember you need to avoid a bad credit car loan so your efforts will be worth it in the end. Tip, refer to the instruction page, use a highlighter and write down important points for future reference.

Dispute First Before Financing a Car

For best results, you should time your dispute a few months prior to financing a car. This is because in the worst case scenario credit repair requires 3 to 6 months processing. The dispute process is simple just follow this step-by-step procedure:
- List down all disputable information .
- Call the credit bureau that reported the information and dispute the same.
- Request to have the information verified by the lender in question
- Call the credit bureau a month after the phone dispute for an update.

If nothing seems to be happening then send a formal and written dispute together with your supporting documents .

Keywords: car loan interest rate, new car financing, financing a car, auto loan credit repair, bad credit auto loans, bad credit car loan, financing a car, best car finance deals, best auto loan rates, bad credit auto loans, car loans for bad credit, car financing calculator

Learn more about SpinDistribute Article Distribution System. We also offer Professional Article Writing to everyone who's looking for high quality web content.

SpinDistribute.com Network

Each article you submit at SpinDistribute.com is sent through our innovative Article Distribution System to our network of more than 1840 publishers - about 55% of them are high-quality article directories, 30% of them are niche blogs and 15% of them are other content-rich websites.

To achieve the best possible success we only publish your article to most related websites. This means your article will show up on approximately 640 - 880 most related websites which will give you great SEO results.

We also offer a separate Professional Article Writing Service to everyone who's looking for high quality web content and well researched unique articles.