Speaking of your credit report, as you may remember, Part I of this article stated:
The dealership will obtain a copy of your credit report, which contains information about current and past credit obligations, your payment record and data from public records (for example, a bankruptcy filing obtained from court documents).
We also stated that your credit history, current finance rates, competition, market conditions and special offers are among the factors that influence your APR.
As you can see, maintaining a clean credit report will go a long way towards assuring that your auto loan application will be approved.
You should periodically obtain a copy of your credit report and make sure that the report does not contain any erroneously reported information.
To obtain a copy of your credit report, contact one of the three major credit bureaus:
Equifax Credit Information Services
P. O. Box 740241
Atlanta, GA 30374-0241
Phone: (800) 685-1111
Web site: www.equifax.com
Experian
P. O. Box 2104
Allen, TX 75013
Phone: (888) 397-3742
Web site: www.experian.com
TransUnion Corporation
P. O. Box 1000
Chester, PA 19022
Phone: (800) 916-8800
Web site: www.transunion.com
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