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First thing is first, so you have the new or  used car itch. That's great and exciting and sites like Edmunds.com ,UsedCars.com Automotive.com , Yahoo! Autos and InvoiceDealers.com can help you find a car for your itch but the question is can you buy a car? I know it is a rough question but believe me it is embarrassing for you and the dealer if you show up go through the hoops and can not buy a car.

Three Questions to ask yourself at this moment!

    1. Am I paying cash completely for my next car or am I going to finance(make payments) on the balance?

    2. What is my Credit History like?

    3. How soon am I looking to buy?

Now if your thinking that your paying cash so why worry about your credit, well you could be in trouble. If you do not know your credit history or have not checked it in the last 6 months then Stop right now and Go to  Equifax.com and get your 3 in one credit report with score now!  You should always know what is on your credit! Especially now a days with all the I.D. theft that is going on. It is also important to have all 3 as some creditors do not report to all 3 and some lenders do not use all 3 to make their decisions. Therefore you will not see the whole picture without all 3!

So by now we should know the answers to questions one and two. So if you have your credit report from Equifax.com in front of you and there are no derogatory items on it than continue on. If there are derogatory items on your reports no matter if you believe they are correct or not go to our credit section Now before moving on! If your score is 625 or below I would recommend going to our Challenged Credit Buyer section it could be more helpful!

One and two are out of the way and now for three, how soon? If you are planning on buying in the next 6 days STOP and ask yourself have you done all the research you need, are these questions answered;  do you have the dealerships narrowed down, do you have a fair price on the car your looking to purchase, do you know what dealerships have the car you want, what rate you can get on a loan, what would an extended warranty cost you, what will your insurance be, do you have your list of questions? If all of these questions are not answered then push it out a few more days and continue on with this Car Buying Guide and get the Tips to help you save!
   




Can You Buy? & How Much?
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