looking for best place to get a truck loan with bad credit...

 

I've never used these guys but have heard from a driver in the past that they are good.
Truck Financing Even With Bad Credit - Truck Loans With No Credit

 

good to know, but also, it'll be good for him to realize, they will "sock it to him in the finance rates".....

and that would be true of ANYONE trying to buy/finance ANYTHING in life, with not too good credit.

my advice would be to see how many years it'll take to clean up the credit rating/score of the o/p.

if (say) 3 more years to get it up to at the very least a score of 700 at ALL 3 Credit reporting agencies, then find employment with someone else, repair the bad credit...THEN apply....

 

Since I am not a "finance guru" nor do I know the details of the O/P, I can not say one way or the other if the company I posted about or ANY company like it for that fact, would be helpful or not for his situation......

However, I do agree with you 100% in that the BEST course of action for the O/P or anyone is the same situation would be to re-establish their credit rating before taking on the ....as you put it..."sock it to him rates"

 

For what it's worth... in 2 years, I managed to increase my credit rating over 220 points, from 524 to 746. I did that with no one's help. Any outstanding debts, I paid them off. Any new debts, I made damned sure they got paid on time, every time. You don't need to pay someone to help clean up your credit. All that is keeping me from having a credit rating now of over 800 is time. After one last bad entry falls off,one that's already been paid but still shows on my file, it will go at least to 800, and that should happen August 2018, if memory serves.
By the way, if you should decide to try one of those clean-up agencies, I will warn you they may get something taken off for a month or two, but the credit agency is going to check with the creditor to see if that entry was valid and the debt is still owed. If it is a legitimate debt, the entry will go right back on your rating file. The only ones that are not going to show back up are ones that have been resolved or that were assigned to the wrong credit file. Most bad entries on your credit will show up for 7 years. Some will show up for 10 years.

 

Congrats on raising your credit score!!! I also agree with you that anyone and everyone should take warning of these companies that claim they can clean up and raise someone's credit score. I personally have never needed to use them (credit score is good....knock on wood) but have heard a couple of horror stories....

 

As for me - I would have worked for a company and gained money to buy a truck. Then I would have got an authority and all the stuff. No credits.

 

If you have a bad credit history, there are a few companies, which can give you a loan. Rate anyway won't be perfect, but it will be better than nothing. Last year I had a same problem. Just missed a payday few times. Guys from Expert Payday Loans gave me a loan with a 4 % rate. They explained to me, that if I had a clear credit history, rate would be lower. But with that loan I can "fix" my credit history and purchase a normal rated loans in future. I think, you need something like that. Maybe that's the only option for you, I don't know.

 

For me, as long as they follow the responsible lending act. If they are completely transparent of all interest, fees, and charges. If you feel as though you cannot make a repayment obligation, they are here to help, provided that you give them reasonable notice, better to contact with online monthly installment loan via this payday provider