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Need A Car Blacklisted

A car is a necessary asset for most people. In most cases, it is required for commuting to work and social outings. However, if you need a car, blacklisting will look unfortunate to a vehicle lender when they browse your credit history. There are ways that you can get a car on credit, even after bankruptcy. This article will provide a brief outline on how to do exactly that.

Credit Report if You Need a Car Blacklisted

If you take an up-to-date credit report in with you when you visit the lender, there is no need for them to do the usual credit checks, which remain on record for six months. However, in many cases they may still need to complete a credit check for their own records. You may have to explain the reason for the bankruptcy, which may have been due to unemployment, illness, or other unfortunate losses. In this situation it is better to be honest than to lie.


One method that may work in your favour if you are in need of a car, but are blacklisted, is to secure a co-signer. Some lenders will take into account the credit history of the co-signer, rather than your own, which can further improve your chances of getting a car on credit at an affordable interest rate, rather than the inflatable interest rates for high-risk individuals.

Bad Credit Loan

If you expect that you can afford the higher interest rates that a bad credit loan brings, consider clearing any outstanding debts and buy a quality vehicle. Even this type of loan requires a significant credit score, however, if you are unable to get the credit you need, another option would be to get a secured loan on a valuable asset like property.

If you need a car blacklisted on your credit file, there is no need to give up. Although it may be more difficult to obtain a loan, this article has outlined the several ways in which you can help yourself. Consider asking a friend or family member to co-sign, or speak to a lender about a bad credit loan. The final option is the riskiest, which is to secure the loan on an asset like property.