**Report online until Saturday, October 28 2006

Hello Friends & Visitors,

Thank you for stopping by!

There's 3 things you should know before you read this report.

1. This report is completely free!

2. You don't need to sign up for a bunch of worthless e-zines, ebooks, newsletters and

other stuff that clogs your inbox.

3. This isn't some generic attempt to sell you something you don't want. (I don't know who you are...)

So enough of the mumbo jumbo, welcome to your free report, "Ultimate Survival Guide To Car Buying Even If You Have Bad Credit." I'm really glad you're here. This report reveals to you real life, useable information to car buying even if you have bad credit.

I have no idea how you found out about this little report? Maybe a friend told you to take a look? You might have read a small ad somewhere? Maybe even you've read one of my other reports? But, that really doesn't matter right now.

What does matter is that you're here. And I'll guess you're here because you're thinking about buying a car? Maybe not now, maybe not in a month, but sometime in the near future you're going to buy a car? Right? And it's better to have the information before you need it... than not to have it when you do need it. Am I right?

I've written this report for a few reasons, all of which, help you the car shopper. It will help you in few ways and I'll explain that in just a second. But let me say this.

Read this entire report word for word.

It's that important. I don't want you to miss anything... Listen, it's taken me 4 years of trial and error to get it right. And because of that, you get to benefit...here's what one car buyer said.

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"Thank you so much for making buying a vehicle easy and enjoyable. I certainly didn't have the same experience with a couple of other dealerships I checked with. Your personality, sense of humor and thoughtfulness suit your position. I love my truck and am so excited to have it. You made my day...Love, M.Cook, Albany, OR

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There's so much information contained in this report, that bad car dealers will hate me for it. Why? Because as long as you're in the dark, they make more money. But if you're in the KNOW...they can't use all the training they've paid for, to suck money out of your pocket.

I'm not bad mouthing car dealers. There are bad ones for sure. But for the most part they're good people. As matter of fact you should know that I am still in the car business and earn my living from selling cars. That's why this information is accurate. It's first-hand knowledge...I'm not some guy posing as an expert...I walk this walk everyday.

Even if you have bad credit and have turned you down in the past. This report will teach you step-by-step how to get your next car.

In this report you'll learn:

· 5 things to do before going car shopping.
· Car Dealer dictionary.
· Inspecting your next car.
· The best way to pay for your new or used car.
· Get Car Credit...even when you have bad credit

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5-Must Do's Before Going Car Shopping

1. I'll get flack for this one, but buy your next car from a car dealership. Preferably a place that has it's own service department. This way if you run into car troubles your seller can assist you with repairing your car. Yeah, this is simple but most would-be car buyers think they can save money from buying private party. That brings up something else. You might be able to save a few hundred bucks from a private party person but will they fix your car when you have problems? And yes, on occasion your car will have problems.

Another reason to buy from a dealer is that most dealers, like myself put our cars through the service department before we sell them. That means you'll have piece of mind knowing that your car was inspected to meet certain safety standards. Don't buy a car that hasn't been saftey inspected.

2. Decide how your next vehicle will be used. Are you a soccer mom or coach your son's football team. Do you shuttle your family and all their friends around? Maybe you just run car pool? Decide on the type of vehicle first. Do you need a people mover or something a little more luxurious? Are you towing a trailer or boat?

And is new or used better for your family and budget?

3. Who will be driving the car most? Where will you be driving to? Are you concerned about seating capacity? Or do you need more interior cargo space? Maybe you'll use the car for commuting back-n-forth to work? Will fuel economy suit you best or something more comfortable? You have homework to do, don't you?

4. Do you have a friend in the car business? If not ask around. Ask your neighbors, co-workers and other people that have recently purchased a car. Ask them about their experience and if they'd recommend their salesman or dealership. Ask your friend if the dealer kept their promises. If the dealer didn't keep their promise to your friend, chances are they won't keep thier promises to you.

5. The last thing you should do is...well maybe not the last thing but a few last things you should do are:

* Get your money first. If you need financing try your bank or credit union first. If they say no, you have an entire step-by-step guide to bad credit car loans written down below. Speaking about financing, read what Garry said in his orange card.

* If you're considering a used car, have your mechanic check it out. Make sure it's ok. There's nothing like purchasing a used car and within a short time the engine or transmission goes out. I've seen it happen. Don't be fooled. This may cost you a few bucks upfront, but in the long run you'll save money by making the right choice.

Car Dealer Dictionary

In all reality, every industry has terms that are specific to that industry. Car dealers and sales people are no different in that respect. We have terms that make our jobs inside the delearship less complicated. While I could give you a bunch on terms used, it really doesn't help you make a better deal...Ok follow me for a second. Let's use a court-reporter for example. Are you with me? Good. What does a court reporter do? They write down every spoken word in court. Ok so does the court reporter spell each word letter for letter? No they don't because they'd miss to much. So here's what do they do. They type in "short-hand" or for more simpler terms...morse-code" in order to catch all spoken words. Ok I think you get the point. Car dealers speak in short-hand. So knowing every single term in the industry doesn't help you get a better deal. What's good deal anyway?

A good deal is getting everything you paid for with no hassle...And yes price does fit into that equation.

Speaking of price, that reminds me of something else...

Have an independant mechanic inspect your next car before you buy it.

This is something that most peope don't do. And it's the one thing that can save you lots of money. Here's why, if you purchase a used car without an extended warranty or service contract you could be putting yourself in a venerable postion. If something goes wrong with your car after you signed all the papers, who do you think is going to pay the repair bill...it's not the seller.

I can't speak for all dealers and some have no problems selling junk. I'd stay away from those ones. But most importantly buy from someone you can trust. Yes, it's hard to find but they're out there. But if you look hard enough you'll find someone you can trust. Read what Diana Cazares had this to say in her yellow note.

What's the best way to pay for your car? Is leasing or purchasing better for you? And what can you do if you have bad credit?

The best way to pay for your next car is cash. You can save a ton of money in interest. But if one of the factories has a very low interest program consider that too. From time to time factories offer interest rates as low as 0.00%. Which means you can use their money for free....so get the details. You can also check out these consumer websites www.kbb.com or www.edmunds.com and even the factory websites for complete details.

There are so many options when it comes to financing that you really should speak with someone that knows. Leasing makes sense for business people who need the write-offs and in some cases leasing allows you to drive a more luxurious car for practically the same payment as a purchase. You can also visit the website listed above for more information...Now let me say this, financing is based on your specific situation. Your previous credit history, job time, income amount, residence and the vehicle you're considering have a direct affect on your interest rate and how many months you have to pay.

But I want to get to something that can help you purchase a car even if you have bad credit. In the next few sentences you'll see a checklist of what you need to purchase another car...And yes you do need this information. It doesn't matter who you buy from. All dealers who work with bad credit car loans, will require the same information.

As a matter of fact, print this out as your own checklist. And make a folder to put this information in.

___ Most recent copy of your paystub - for both people if applying with another person.

___ Drivers license and insurance card.

___ Recent copy of home telephone bill (or utility bill) this proves your residence

___ Your landlord's name, address and telephone #

___ 7 references with full name, street addess, city, state, zip code & telephone #

There's so much information I could write that it would take 5 volumes to do it... that's why I'll keep it short. If you are serious about purchasing a car and you don't want the normal car-dealer hassle...and you want to work with an expert, put the above information in a folder and schedule a time to meet with me.

You can schedule a meeting time by sending an email with your contact information and preferred appointment time by clicking mailto:freesurvivalguide@gmail.com

DISCLOSURE: You must earn a minimum of $1500.00 per month before taxes are taken out. Your monthly payment cannot be more than 20% of your total gross income and your total debt payments cannot be more than 50% of your total gross income. Each finance company has guidelines specifc to their companys' criteria.

My address is

3850 Santiam HWY SE (go East on exit 233)

Albany, OR 97322

I trust this guide has been helpful for you?

Oh by the way the "Comments" section is open to anyone who has a word for me. Even disgruntled car dealers can leave messages as long as it's clean, no profanity.

P.S. Feel free to leave any comments...