We think this is true, for the past ten years here at Auto Credit Express, we have helped credit-challenged candidates find dealers who specialize in bad credit car sales. On our website you can also help with questions about terrible credit car loans and repossession and current topic - the latest report from TransUnion on automotive lending arrears.
TransUnion credit report fourth quarter
TransUnion has just released its latest report on car loans, dealing with auto loans in the fourth quarter of 2011. These reports are based on a random sample from the database consisting of 27 million consumer records randomly sampled every quarter. Therefore we can assume that the results are fairly accurate.
According to TransUnion, the national auto loan delinquency (borrowers 60 or more days past due) declined for the ninth consecutive quarter of 0.59 percent in the fourth quarter of 2010 to 0.46 percent in the fourth quarter of 2011 and remained "essentially flat" compared to 0.47 percent from the third quarter of 2011.
TU-analysis
"Usually there is a seasonal upturn in auto delinquency rates in the fourth quarter. Except in 2009, where there is no change in 2003 where approximately a 4% decline, auto delinquency rates have shown upward movements between the third and fourth quarter average of more than 5%, "said Peter Turek, automotive vice president in TransUnion's financial services business unit. "Ending the immediate years is particularly interesting because the number of new auto loans are on the books has increased consistently since the end of the recession, a primary driver of which is an extension of credit to consumers in the subprime market. "
The Bottom Line
As we see customers applying for no credit auto loans now have a better chance ever for an approval. That being said, here is our advice to consumers who have a problem credit auto loan:
• Know your credit scores, and the information in your credit reports
• Plan to contribute to the loan at least 10 percent in cash or actual trade shares
• Keep the duration as short as possible
• Buy a compact or mid-sized vehicle and postponed consider anything else until you restore your credit.
Finding the right dealer
Wherever you are in the credit repair, you should know that the car Credit Express specializes in matching applicants with bad credit car dealers that can offer them their best chance of getting approved for an auto loan credit problem.
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