Get Your Credit Report
Are you sure you really have bad credit? How bad is it? Do you know?
If you only found out this information after talking to a car dealer, that is not reason enough to believe it. A car dealer may try to use your knowledge – or lack thereof – regarding your less-than-perfect credit score to squeeze more money out of you by convincing you that due to your ‘bad credit’ – the only way he can sell you a car is if you also pay an extra high finance charge, or some added insurance. All of which may be unnecessary.
The first thing you need to do is be absolutely certain with regard to your credit report. Do not go into battle with car dealers without this essential piece of information. Having this in hand, will make them unable to fool you or use your insecurity with regard to your credit report, to drive up the costs of your car purchase and fatten their profits at your expense.
There are a number of places where you can get your credit report. Equifax, Fair Isaac (FICO), 360 Credit Reports… to name a few…