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	<title>Buy Here Pay Here Car Lot</title>
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	<link>http://www.buy-here-pay-here.org</link>
	<description>Helping you with the Buy Here Pay Here Car Industry</description>
	<lastBuildDate>Wed, 19 Oct 2011 12:39:50 +0000</lastBuildDate>
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		<title>10 Things You Need to Know When Buying With Bad Credit</title>
		<link>http://www.buy-here-pay-here.org/2011/07/08/10-things-you-need-to-know-when-buying-with-bad-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=10-things-you-need-to-know-when-buying-with-bad-credit</link>
		<comments>http://www.buy-here-pay-here.org/2011/07/08/10-things-you-need-to-know-when-buying-with-bad-credit/#comments</comments>
		<pubDate>Fri, 08 Jul 2011 21:17:29 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=227</guid>
		<description><![CDATA[The best way to prepare yourself and get yourself on track with future large purchases, such as buying a vehicle, is doing your homework before you start. There are 10 essential items you need to know when you are buying with bad credit. 1. Know your credit &#8211; Every lender has a different threshold of what they deem substandard credit. Knowing where you are on the credit scale can help alleviate some of the anxiety, and you know what to expect when you walk in to the dealership or loan office to apply for a loan. 2. Know where you qualify &#8211; If you have pristine credit, or even credit on the upper end of scale, chances are you will qualify for a traditional loan with little to no problem. However, if you have poor credit your options are limited and may need to seek assistance from a substandard lender or buy-here-pay-here dealer. 3. Know the requirements &#8211; One of the most important things to do is to prevent from being blindsided by the lender’s or dealership’s finance department. Have all the information ready such as, W2s, paycheck stubs, co-signer information, etcetera. Being prepared can cut down on frustration. 4. [...]]]></description>
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		<title>10 Ways to Improve Your Credit Score</title>
		<link>http://www.buy-here-pay-here.org/2011/03/23/10-ways-to-improve-your-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=10-ways-to-improve-your-credit-score</link>
		<comments>http://www.buy-here-pay-here.org/2011/03/23/10-ways-to-improve-your-credit-score/#comments</comments>
		<pubDate>Wed, 23 Mar 2011 17:15:03 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=225</guid>
		<description><![CDATA[Credit is hard to come by in the recent economy, and credit rating doesn’t always guarantee a loan. But having a poor credit rating does not help your chances of getting one, especially since creditors and banks have tightened their lending practices. Listed are tips to improve your credit score: 1. Limit the amount of inquiries into your credit. – Every time you apply for credit card, a loan, or store charge card they will access your credit report. If there are several inquiries within a 12-month period then it will begin to impact your score negatively. Only apply for credit when it is absolutely necessary especially when rebuilding your credit. 2. Late payments are a negative impact on your credit. – Making a late payment is a sure way to negatively impact your credit score. There are circumstances such as illness or emergencies that may arise to create situations where you cannot make a payment on time. In this case notify the credit bureaus and ask them to note the reason so when potential creditors are reviewing your score they can understand the situation more fully. It is not a guarantee that the notation will help secure credit, but [...]]]></description>
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		<title>10 Ways to Effective Complaints</title>
		<link>http://www.buy-here-pay-here.org/2011/03/21/10-ways-to-effecive-complaints/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=10-ways-to-effecive-complaints</link>
		<comments>http://www.buy-here-pay-here.org/2011/03/21/10-ways-to-effecive-complaints/#comments</comments>
		<pubDate>Mon, 21 Mar 2011 12:12:25 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=199</guid>
		<description><![CDATA[What happens when you don’t receive the service you expect, or the product you purchase breaks, or you are just not satisfied with how a company is handling your situation? You get mad, feel taken advantage of, and then…you try and get revenge by posting your complaint on one of the many complaint websites such as www.pissedconsumer.com, www.ripoffreport.com, www.consumeraffairs.com, or some of the many other consumer sounding boards available on the web. But does it resolve your issue effectively? Undeniably, these sites give the consumer a place to vent, a sounding board for their displeasure, and it gives them the feeling they have taken the first steps in resolving their issues with a company, but in actuality it does little in getting them their desired result. There are pitfalls to ineffective complaints: False Sense of Resolution &#8211; Many consumers take to the internet to vent their complaints, feeling that somehow they will reach their offending company and get them to move in their desired direction or resolve their issue quicker. In some instances it might, but more than likely all you will receive is the satisfaction that you voiced your opinion, but there is no true resolution to your problem. [...]]]></description>
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		<title>10 Things to Know About Bankruptcy</title>
		<link>http://www.buy-here-pay-here.org/2011/02/17/10-things-to-know-about-bankruptcy/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=10-things-to-know-about-bankruptcy</link>
		<comments>http://www.buy-here-pay-here.org/2011/02/17/10-things-to-know-about-bankruptcy/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 16:02:25 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=207</guid>
		<description><![CDATA[In today’s economy there is so much uncertainty, and those who are unemployed or underemployed are finding it harder and harder to pay bills. They try to stay above water, but find themselves in a losing battle. It is at this point they start investigating filing bankruptcy. There are 10 key things to know about choosing this solution before taking the step to move forward. 1. Not all Bankruptcy is created equal – There are two primary types of bankruptcy used by consumers, Chapter 7 and Chapter 13. Many may think they are the same, but they have distinct differences. Chapter 13 allows a person with a steady income to file for bankruptcy protection and still maintain most of their property that they otherwise might lose, such as their house or car. The court sets up a repayment plan over a period of 3 to 5 years, and once all the requirements are met then the debt is discharged. Chapter 7 is usually chosen when the debt far is so large it exceeds the debtor’s assets, and it allows for the court to liquidate all non-exempt assets to cover the debt. The process takes about 3 ½ months and once [...]]]></description>
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		<title>5 Things you didn’t know about JD Byrider</title>
		<link>http://www.buy-here-pay-here.org/2011/01/07/5-things-you-didn%e2%80%99t-know-about-jd-byrider/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=5-things-you-didn%25e2%2580%2599t-know-about-jd-byrider</link>
		<comments>http://www.buy-here-pay-here.org/2011/01/07/5-things-you-didn%e2%80%99t-know-about-jd-byrider/#comments</comments>
		<pubDate>Fri, 07 Jan 2011 17:59:17 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=196</guid>
		<description><![CDATA[1. JD Byrider enjoys a 96% Sales Satisfaction Rating from its customers – Customer Service and Satisfaction is the top priority for JD Byrider. Most of their 5000 customers a month are repeat customers or referrals from previous customers. 2. Concerned for the Customer – They work extensively with the customer to make sure that they put them in vehicles they can afford, and that is not only the cost of the car, but they take into account the amount the customer would have to spend on gas and insurance. 3. Offer Reliable Transportation – JD Byrider purchases the best used cars to sell and then inspects and invests more than $1000 in all of them to help ensure that they provide dependable transportation for their customers. The reality is they win if they vehicle operates as the customer expects and completes their contract. 4. Interest Rates are not inflated – The truth of the matter is that customers that come to JD Byrider are there because they do not have the credit that other lenders require. The interest rate they are charge is in line with the law as regulated by every state, and often times the rates are [...]]]></description>
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		<title>Buy Here Pay Here Financial Basics</title>
		<link>http://www.buy-here-pay-here.org/2010/12/01/buy-here-pay-here-financial-basics/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=buy-here-pay-here-financial-basics</link>
		<comments>http://www.buy-here-pay-here.org/2010/12/01/buy-here-pay-here-financial-basics/#comments</comments>
		<pubDate>Wed, 01 Dec 2010 17:41:05 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=187</guid>
		<description><![CDATA[1. The Meaning &#8211; Buy Here Pay Here (BHPH) financing means that you arrange a loan and make payments direcly to the dealership. The dealership acts as the bank, and all payments are arranged with the dealer. Loans may not be the traditional monthly payments most consumers are used to, instead a customer may make weekly or bi-weekly payments at the dealership. Some BHPH dealerships will accept payment by phone or online. Many require that the customer to bring a check or cash to their location. That is why these dealerships are considered a “buy here” “pay here” type of car lot. 2. The Difference – Buy Here Pay Here dealerships usually deal with sub-prime credit customers that do not qualify for traditional financing. There used to be significant differences between the BHPH dealerships and those traditional ones, but as today’s economy is producing more credit injured consumers, traditional dealerships are also specializing in sub-prime financing. The difference is the focus. Traditional dealer want to get a customer in and look and feel their product, while the BHPH dealer want to get down to the mechanics of what the customer can easily afford before showing the customer what is his/her [...]]]></description>
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		<title>5 quick tips to keep in mind when finding the right Buy-Here-Pay-Here dealership</title>
		<link>http://www.buy-here-pay-here.org/2010/11/17/5-quick-tips-to-keep-in-mind-when-finding-the-right-buy-here-pay-here-dealership/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=5-quick-tips-to-keep-in-mind-when-finding-the-right-buy-here-pay-here-dealership</link>
		<comments>http://www.buy-here-pay-here.org/2010/11/17/5-quick-tips-to-keep-in-mind-when-finding-the-right-buy-here-pay-here-dealership/#comments</comments>
		<pubDate>Wed, 17 Nov 2010 15:30:29 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=181</guid>
		<description><![CDATA[In today’s economy the need for Buy-Here-Pay-Here Dealerships is a necessity, because most banks and lending institutions have tightened their underwriting controls. Those borrowers that used to qualify for standard loans no longer do. For many this is a first experience dealing with this type of dealership. There are many fly by night operations that are, let’s face it, in it for a quick buck and soon close their doors, and their customers are left holding the preverbal bag. However, there is some light for those in need of a BHPH dealer, because there are many reputable dealers out there. A consumer just needs to do their homework to ensure they are working with one that stands behind their product. Here are some 5 quick tips to keep in mind when finding the right Buy-Here-Pay-Here dealership: 1. How long have they been in business? There are many BHPH dealerships that open their doors one day and close not long after. Make sure the dealership you deal with has a history that shows they will be there for some time in the future. JD Byrider is an example of a Buy-Here-Pay-Here dealership that has been in business for years and their [...]]]></description>
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		<title>6 Keys to Buying a Used Car with Bad Credit</title>
		<link>http://www.buy-here-pay-here.org/2010/11/08/6-keys-to-buying-a-used-car-with-bad-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=6-keys-to-buying-a-used-car-with-bad-credit</link>
		<comments>http://www.buy-here-pay-here.org/2010/11/08/6-keys-to-buying-a-used-car-with-bad-credit/#comments</comments>
		<pubDate>Mon, 08 Nov 2010 14:33:49 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=178</guid>
		<description><![CDATA[1. Do the research: Not every car is created equal. Some have known mechanical problems that can cause the owner to invest more time and money into a vehicle than it is worth. 2. Know what you can afford: Knowing what you can afford can give you a clearer picture of the type of car you drive. Purchasing a higher end vehicle may break the owner’s budget, and in the end may end up damaging their credit score. 3. Find the right car for your needs: A single person may not need a large vehicle or minivan to meet their driving needs. Knowing the function of your vehicle in relation to your needs will help you find the right car for you and your satisfaction with your purchase will last longer. 4. Perform tests: Make sure you don’t just purchase a used vehicle just because it looks good. Take the care on a test drive it to see if you can notice any problems or potential problems with the car. Many reputable dealerships will offer a vehicle history report for you to look over. 5. Car reports do not tell the whole story: Don’t just rely on a vehicle’s car [...]]]></description>
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		<title>6 Tips to Rebuilding Bad Credit !</title>
		<link>http://www.buy-here-pay-here.org/2010/11/03/6-tips-to-rebuilding-bad-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=6-tips-to-rebuilding-bad-credit</link>
		<comments>http://www.buy-here-pay-here.org/2010/11/03/6-tips-to-rebuilding-bad-credit/#comments</comments>
		<pubDate>Wed, 03 Nov 2010 17:02:33 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=173</guid>
		<description><![CDATA[Tips to rebuilding bad credit: 1. Do the research: Some companies specialize in “helping” repair your credit. Many believe that if they pay these companies, then their problems will magically disappear. The reality is that they can do no more than what you can do for yourself. Be aware that rebuilding your credit takes time, and there are legitimate companies out there that will help you re-establish your credit history, but many are just there to take advantage of a desperate situation. 2. Don’t move around too much: The key to better credit is longevity. A nomadic lifestyle only creates uncertainty and many companies are reluctant to extend credit to candidates they may not feel can stay in one place for any length of time. 3. Always pay more than the minimum: Many companies look at your credit history and cringe if you are only able to pay the minimum on your revolving credit lines. They look more favorably on those that make an effort to not just squeak by on the minimum payment. 4. Keep at least one creditor happy: By keeping at least one of your creditors happy, you can build a good history with them and it [...]]]></description>
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		<title>6 Myths About How JD Byrider Does Business</title>
		<link>http://www.buy-here-pay-here.org/2010/10/21/6-myths-about-how-jd-byrider-does-business/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=6-myths-about-how-jd-byrider-does-business</link>
		<comments>http://www.buy-here-pay-here.org/2010/10/21/6-myths-about-how-jd-byrider-does-business/#comments</comments>
		<pubDate>Thu, 21 Oct 2010 18:24:09 +0000</pubDate>
		<dc:creator>Web Zcar</dc:creator>
				<category><![CDATA[Reviews]]></category>

		<guid isPermaLink="false">http://www.buy-here-pay-here.org/?p=168</guid>
		<description><![CDATA[Facts vs. Fiction The simple truth about how JD Byrider does business Fiction: JD Byrider is one of those companies that lure unsophisticated consumers into a thicket of debt. Fact:We don’t put customers in cars they can’t afford. Long before we get to the closing, our proprietary risk assessment program and budget analysis enables us to determine if the customer can afford the deal, and whether he or she is capable of meeting its terms. And we recognize that our typical customer is less savvy than we are about the buying and financing process. That’s why our closing process is so detailed and structured, and why every customer must watch a video that explains everything in easy-to-understand terms. And to make sure we don’t overlook anything, we even videotape the closing, always with the customer’s consent. Fiction: JD Byrider has sophisticated technology to determine the price a customer can afford, and then you increase the price of the car accordingly. Fact: This is so not true. We do have sophisticated and proprietary technology but it’s used to assess the risk we would be taking on with each customer. Then we combine that with a detailed budget analysis that we go [...]]]></description>
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