July 1st, 2006
Bad credit car loans: getting behind the wheels with bumpy credit
by Pamella Scott
A car with bad credit, just like any other car, will give you the ride you want. Okay, they might not be served on a platter but if you need a car…. but they are worth the ride. Customers suffer from bad credit circumstances do not mean they are bad people. It only means things happened! And every loan lender that is providing you with bad credit car loans do understand that. With car loans for bad credit you not only get the car you want there are added surprises on the runway.
Chances that you are getting Bad credit car loans are extremely bright. Banks, credit unions, finance companies all are providing loans for bad credit. People who would not qualify for bad credit car loans just five years ago can now easily meet the criteria.
When a borrower has bad credit, it will be a good start to begin with credit report. Every borrower is assigned credit score based on his performance with previous loans. It is a three digit number that most of the lenders use to evaluate the risk while lending you car loans. Each one of the credit bureaus – Equifax, Experian and Trans Union will have a copy of your credit report. Most lenders use Fico score which ranges from 300-850. Fico score 580 -500 and less means bad credit. This means you are heading for bad credit car loans. Now knowing your credit score is important for many lenders can take advantage of your ignorance.
Posted in Buying A Car, Financing Options | No Comments »
July 1st, 2006
Question:
What is a stud? How would one get broken and would it make the steering mess up,pump rack and pinon-95 Nissan Altima
Thank you
Karen
Answer:
There could be a couple of studs on the front of your car. A stud is a threaded piece of metal which is attached permanently to another part of the car. So when tightening the nut, you do not have to hold the back side of the stud. In other words, it’s a bolt which can not turn, thus allowing you to tighten the nut without holding the bolt.
There are wheel studs which go through the axle flange and through your tire. This stud is what the lug nut threads on to and holds your tires in place. Most cars have 4 or 5 studs per wheel. Not likely that this caused a problem with the power steering.
There are also studs which the power steering pump and rack and pinion mount to, both could cause problems if they snapped. These studs could break due to fatigue, or hitting a curb with the tire.
Take Care,
Kevin
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Posted in Drivetrain, Suspension, Wheels and Tires | 1 Comment »
July 1st, 2006
Summer Road Trip
Even with the high gas prices, people are planning their summer road trips. It’s essential that you are prepared for your trip and have the right supplies on hand to handle a roadside emergency. Here is a simple checklist to prepare your
family truckster for the long haul.
- Is your car close to needing an oil change? Get the oil changed
just to be safe. Fresh oil will help your engine run cooler and at
peak efficiency. I personally use synthetic oil in my vehicles for it’s long life and superior lubrication. While you are getting your oil changed, make sure that the mechanic greases all of the suspension points and inspects everything under the car for wear.
- Check the air conditioning system, nothing is worse than a family trip with no air conditioning. If your system is not blowing cold like it used to, consider getting it recharged to keep you cool on those hot summer roads.
- Check your tires for tread depth, unusual wear and damage. Nothing
is worse than having a blowout on a Sunday with no place to get a new
tire. Also make sure your tires are properly inflated, this will save
you gas and keep your tires from wearing prematurely. Also make sure
your spare tire is inflated and in good condition. Remember that if you need to use the small “doughnut” spare included in some cars, keep the speed below 50mph and only use the tire to get to the nearest garage to get your original tire fixed or replaced.
Posted in Car Care, Wheels and Tires | No Comments »
