Purchasing a car can be a stressful experience especially if your only option is to apply for a bad credit car loan. Essentially, having bad credit is not the end of the world as there are several ways to improve your credit prior to applying for the loan. Additionally, there are a number of dealerships that will actually grant you a no credit car loan; however you will not reap the rewards of having a prominent and excellent credit history.

It is recommended that you view your credit report prior to applying for any car loan. When you apply for a loan, it is guaranteed that the lender will check your credit score. Generally, a low credit score and poor credit history negates a promising payment history and financial security. This would be the perfect opportunity to initiate steps to improve your credit.

First of all, make sure that all of the information on the report is accurate, up-to-date and complete. Many consumers are unaware that it is possible to correct any errors or dispute any false claims listed on the report. This procedure is available through the authorization of the Fair Credit Reporting Act which allows you to question any items listed in your report. These items will be investigated and removed if found unwarranted. You can do this yourself, you do not need to pay a company to do this for you.