Filed Bankruptcy Need A Car Loan

Auto Loans - Regardless Of Past Credit!

Fast Lane Auto Loans is the fastest and simplest way to apply for your car loan, even if you've been turned down for a loan before! Regardless of problems with bad credit, no credit, bankruptcy or repossession, we can help you!

Our FREE, no-obligation application is fast and easy!

• Instant online application!
• All Makes and Models Available
• Applications are instantly accepted for review
• Just take a minute to fill out our FREE application. You'll quickly be contacted by one of our no-hassle, local, participating auto dealers who will assist you with the approval of your loan and the choosing of your new or used car.

Why wait? Apply now for your Auto Loan -- Regardless of Past Credit.

Get a New Car Quote

Looking for a new car? Free New Car Quote is a great service for any one shopping or curious about a new car quote. CarWorks helps new car buyers get informed before they step on the car dealer lot. Submit one quick online form and get your new car quote instantly. Dealers compete for your business so you can save thousands.

Save thousands on your new car quote today.

Free Gas Card

Click here to claim your $50!

Click here to claim your $50!

How Long Can Negative Information Be Reported?

Your credit report contains a history of your credit activity. Negative items on your credit report will hurt your credit rating for a number of years.

Accurate negative information generally can be reported for seven years, but there are exceptions:

• Bankruptcy information can be reported for 10 years;
• Information reported because of an application for a job with a salary of more than $75,000 has no time limitation;
• Information reported because of an application for more than $150,000 worth of credit or life insurance has no time limitation;
• Information concerning a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer; and
• Default information concerning U.S. Government insured or guaranteed student loans can be reported for seven years after certain guarantor actions.

Credit Report Scores - Computing Then

Your credit report scores are based on factors that appear in your credit reports:

• Bill payment history (Good: on time and for the full amount)
• Total outstanding debt (Good: non-mortgage loan payments less than 5% of gross income)
• Types of debt (Good: mortgage, car loans, Bad: high credit card debt)
• Length of credit history (Good: 3 or more years of on time payments)
• Credit inqueries (Bad: many rejected applications)

The Equal Credit Opportunity Act (ECOA) prohibits certain factors from being used in determining your credit report score:

• Personal details such as sex, marital status, age, race, national origin, or because you receive public assistance income
• Sources of income such as regular alimony, child support, or separate maintenance payments

The Equal Credit Opportunity Act provides actions for you to take if suspect unauthorized factors are being used to deny you credit.

If you've found this site useful, please link to it so that others can benefit. Use the following in your link:

Link text:	Credit Report Scores - See and Improve Them
Description:	Credit report scores affect your ability to get a loan, buy a home, and even get a job. Find out how to see and improve your score.
Link to:	http://www.credit-report-scores.us