Drivers Lane Blog

A late car payment can have a significant affect on your credit score, but it depends on your specific credit situation when the event occurs. The reason why it can be so impactful is because your payment history makes up 35% of your FICO credit score, the largest of any factor that determines it.

Whether or not you get to keep your car during a bankruptcy depends on the type of bankruptcy you file. You run less of a risk of losing your vehicle in a Chapter 13 bankruptcy than you do in a Chapter 7, but it's still possible to exempt your car in a Chapter 7 bankruptcy in some cases.

While you could use a credit repair company to help fix your credit, there are many different ways you can improve your credit score on your own. These four actions can help you fix your credit score yourself.

Many subprime auto lenders are willing to work with car buyers in an open Chapter 13 bankruptcy. In order to buy a car during a Chapter 13, you need to follow three specific steps to get the court's approval.

While it’s possible to get a no money down car loan in Sacramento, it's harder to accomplish if you have bad credit. The fact of the matter is a down payment is typically required in order to get approved for a bad credit auto loan.

Drowsy driving can be just as dangerous as drunk driving. In fact, it’s one of the most common causes of fatal car crashes. You can prevent drowsy driving if you plan ahead and are aware of when you’re starting to feel tired.

You most likely aren't going to be able to get a bad credit car loan with no money down. Almost all poor credit auto lenders require a down payment, but making one can help you save money in the long run.

Just how large of a down payment you should make depends on several factors, such as your credit situation and the price of the car you're financing.

The reality is that you most likely aren’t going to qualify for a zero down auto loan in Sacramento if you have bad credit, but you don’t have to make a substantial down payment to get approved for a car loan.

There are key differences between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy that affect which one you should file.