When is the best time to buy a new car

The best time to buy a new vehicle is in the last quarter of the year. You will find car dealers more eager to deal in order to make room for next years new car inventory. My recommendation is to go during the week and in the morning or afternoon. You will gain the upper hand then. Do not be in a hurry or be to anxious. If the dealer you are speaking to isn’t getting your the deal you want, you will have time to go to another dealer and see what they can offer you. You may also want to check some of the online services to see what the car you are looking at is going for. If you are going in with a trade in, you may want to go to kbb.com to get an idea of what your trade is worth. In most cases you can get more if you sell it on your own. If you do not want the hassle I would trade then. This will save you a lot of haggling time.

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The best time to buy a new or used car

I keep hearing reports that doing debt negotiation hurts your credit score. I would like to set the record straight. The truth is that debt negotiation does not hurt your credit score. Having too much debt and not paying your bills will hurt your credit score. If you are current on all your bills and stop paying them, your score will go down, no question about it. Debt negotiation is for people that are in serious financial hardship and possibly considering a Bankruptcy. Debt negotiation is not a way to get out of paying your bills. So if you think you are going to run out and charge up a bunch of debt and then let it go, you may have a problem. That could be considered a fraudulent act. Debt negotiation is for people that may have experience a medical emergency or even a job loss.

Bottom line, debt negotiation does not hurt your credit, having too much debt and not paying it is the culprit. Actually the more old debt that you pay off, the better it is for your credit score. So settling your debt actually helps your credit score not hurt it.

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