Car Manufacturers offer incentivised interest rates. SUBSCRIBE ON YOUTUBE #Car #dealership #cars #usedcars #carsforsale #TheHomeworkGuy THE BEST CAR BUYING ADVICE YOU CAN FIND is published by The Homework Guy Team (THG)! We’re the team of Auto Experts, Finance Gurus, and Car Pricing Strategists that well over 45 Million Car Buyers have come to know and trust.
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With Titles like 11 Fake Fees, to Don’t Say I’m Paying Cash at Car dealerships, and Car Shortage Crisis, and Car Dealer Says Bring the Car Back!… The Homework Guy Team publishes videos to help Car Buyers. Then we added Cash Buyer Negotiations, and Held Hostage at a Car Dealership, No Haggle One Price Car Dealerships, How Much do Used Car Dealers Pay for Cars?, 10 Things You Should Not Say to Car dealerships, and the Costco Auto Program. We hit all the topics, and we represent Car Buyers, a goal that’s often in direct conflict with Car Dealer goals.
A CAR DEALER WANTS TO:
1. SELL every car for the Highest Possible Price.
2. CONVINCE Car Buyers to use Dealer affiliated Lenders / Banks.
3. LOAD every Car Deal full of Fees and Finance Products.
4. OFFER Lowball numbers on every Trade Vehicle.
THE HOMEWORK GUY TEAM (THG) HELPS CAR BUYERS TO:
1. BUY a Car from Dealers or Private Party Sellers at the Lowest Price.
2. PAY Cash or Finance with their own Bank or Credit Union.
3. DECLINE Dealer Fees and Finance Products.
4. TRADE / SELL their current vehicle for the Best Value.
For more than 40 years, dealerships have EARNED their lowly reputation by being the masters of predatory selling. Dealers stalk victims relentlessly, often ruthlessly treating the most vulnerable car buyers (like seniors, for example) with little or no conscience. Car Dealers and their Finance Officers have no problem creating financial devastation for their customers with over bloated car loans, and quite often do. While the business has had record setting profits, Dealers never stop telling Car Buyers “We’re losing money!” Car Dealers did it to themselves. We point out the traps and the flaws of the process, and help car buyers get by all the nonsense without being ripped off. We promote fairness, honesty, and transparency, and we’d love to see a few dealers join our mission!
The Homework Guy Team provides car buying consumers with information, automotive news and updates, industry outlook, buying and selling advice, and other help to level the tables. The public face of THG is Kevin Hunter and the master negotiator, Amazing Elizabeth. Tons of time and research goes into every show, with several projects always on the table, all with the goal of getting it exactly right. From Automotive News Updates to vehicle shopping advice and assistance, The Homework Guy Team is the best there is.
THG CATEGORIES: cars, truck, van, suv, auto, new cars, used cars, autos, mechanics, automobile, vehicle, dealer, automotive news, auto shop, service plans, extended warranty.
LEADING CAR BRANDS (MANUFACTURERS) WE COVER IN THE US: Ford, Toyota, Chevrolet, Honda, Nissan, Jeep, Ram, Dodge, Hyundai, Subaru, Kia, GMC, Mercedes-Benz, Volkswagen, Tesla, BMW.
#PersonalFinance #Investment #Dealerships
How can The Homework Guy Videos help Car Buyers?
1. What you need to know before buying a car.
2. Information you need when buying a car at a dealership.
3. Benefits of Buying a Car from a Dealership or Private Party.
4. Questions to ask at a Dealership
5. Car buying tips and tricks from the experts
6. How to Buy and Pay for a Car with Cash
7. Using Carmax, Edmunds, TrueCar, Autolist, or Kelley Blue Book for Car Pricing Info.
8. Buying a Car out of state.
9. Taking Control of the entire Car Buying Process.
10. What to do if Scammed.
11. Illegal things Car Dealers can do.
12. Understanding Dealer Financing Tricks
13. How to Avoid Dealer Scams.
14. Reactions to Sales Training conducted by Car Trainers.
We’ve seen amazing growth with over 360,000 Subscribers and counting. Meanwhile, if you prefer to fix your current car (and we recommend that you do!), check out channels like Chris Fix or Scotty Kilmer! If you wonder where we get such brilliant financial ideas, watch the Dave Ramsey Show!
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I want to be under 10% CCU. I'm at 23 now. It just takes budgeting and math, timely payments to get into the under 10% CCU range, then my score will be above the national average of 711.
always immediately get two credit cards. immediately. never have 0 balance on your cards. always have a tiny charge coming through when paying the full balance. 830 Fico 8 score here for 1.5 years never moves.
THank you, my "mentors" could not manage five bucks 🙁 but I learned and changed
Thank you for such GREAT INSIGHTS. Much appreciated! You guys rock.😉
G old sdvice,,awesomeness and you both rock too
I remember years ago my credit was so bad, if I applied for a auto loan I would 😓 and be a nervous wreck, my last auto loan was in 2013 during that time I had a 730 credit score no outstanding debts other than my house, I was bold I was ready to put my feet up on the salesman desk, gave him the down-payment signed the papers 📃 and drove off the lot, paid off the vehicle in 2 years, today I'm still driving that 🚗 with a 800 credit score 😅 🙃 right now 😅
Great to see you’re looking healthy Kevin!
Important accurate advice!
Looking & sounding good Kevin, glad to see the recovery.
Thanks for the content.
Glad to see you looking so well Kevin!
My credit score is 702😊Thank you THG Team for this valuable information 😊😊👍👍👍👍👍 about 3 or 4 yes. Ago I downloaded an app called Self(it's a credit builder app and got one 1 of their credit building CD accounts to build my my credit at the end of 1 year they sent me a check the amount I was saving and a secured visa, and currently I not only have a credit score of 702 but a $725 credit limit 😁 I only authorized myself for $150. Secured credit.
CONTACT HE Uncle Tobian🔝🔝 is the best when it comes to credit repair, Loan repair, Bankruptcy, inquiries/collections and so many more… He helped me boost my score to 850 and also clear off my hard inquiries. Contact him and see for your self. His contact is situated above'' name tag ''up.🔝🔝
I usually use the cash value in my whole life policy to do this.
WOW very interesting super kool ,1st class great info.,, AAAAAAAAAAA++++++++++++ again great video I liked it a lot ,keep up the great work.
@homeworkguy, given the economic uncertainty of the current market the LAST thing anyone should be doing is taking on the debt of a new car. Recession is coming and it is going to be brutal…we are already seeing increased default rates.
I also started my credit history with a $500 secured credit card from the local credit union.
@KEVEN HUNTER) This is in response to a previous Video, That you had recommended for your viewing audience to do.
(END OF LEASE)
I went through with the procedure and that Shoddy, Shady Shit show of a company goess against all and EVERYTHING that this channel is about. They charged me a WHOPPING $699. DOC FEE, And Automatically charged a $2,500. Insurance coverage premium.
And they refused to remove the DOC FEE.
Please go back and withdraw your endorsement of that Horrendous Company.
I have ALL THE DOCUMENTS TO SHOW AND PROVE, THEY'RE JUST AS BAD IF NOT WORSE THAN THE STEALERSHIP'S HERE IN AMERICA
Great advise. I hope young people are watching.
…another great video. You should teach this to all HS kids. Kevin you stay strong brother!
Thanks for the info. My current unions I am a member of 2 of them. Both told me that they work with several dealers in my area direclty so I can purchase direclty from them and the dealer will give me the same rate as if I would get a loan from the credit union. I have a credit score of around 805 to 815 so I know I should get a excellent rate, but how do I know of the dealership will give me a different interest rate than the credit unions that might be higher. I am always skeptical of the dealers, in the past with all the add on etc. and offer an interest rate reduction if I add on one of the adds on I call them. I hate the negotiation with the dealer. I just want to make sure they do not bait and switch with the interest rate becuase if you have exceptional credit union, I think they want to make more money off of me
Good one as always … Gubs
When i recently bought a Kona N, dealer sent out loan app. financed 9k on a 36k vehicle. own home, no debt except credit cards, paid off in full every month. only loan is car loan. Fico score is 851. some clown outfit, gen acceptance corp (atlanta) declined based on too much debt!??? meanwhile, local credit union wrote 48 months at 1.75 percent. gotta wonder who the idiots thst run GAC are? 🤭🙄🤣🤣
I've been doing what Elizabeth does with the credit card for the last 10 years. I got an AMEX card. My bank debit card kept getting compromised, so I stopped using it for regular purchases. I use my AMEX for all normal purchases during the month, keep track of the $ so that I don't over spend, and then pay the card off in full ahead of the due date each month. Never let it roll over, and if you spend what have, you should always have the money in your checking to pay it off. My debit card stays safe and is only used at my bank's ATM. And I build good credit with AMEX as well as significant cash back rewards.
They keep raising my credit limits even though I maintain a ZERO balance.
And once you get behind, and use your credit card more and more it's next to impossible to dig your way back out. Don't ask me how I know. Lol
Keep up the these awesome vids 👍
Setup autopay on those credit cards to pay at least the minimum. This will help you stay away from late charges that could hurt your credit score in the event you forget to pay it on time.
Kevin you're looking a lot better, I hope you guys are doing well. Best Wishes!!!
The amusing part about getting out of debt is that it really damages your credit score. My wife and I both had 820+ scores but minimal cash flow in our budget. We made an effort to get out of debt, and those scores dropped to 740-ish range in just a year. It makes sense, of course. Your credit score goes up if you behave in manners that keep you borrowing money; likewise, it goes down if you do anything that doesn't promote "healthy" debt behaviors. Getting out of debt is certainly not "healthy" debt management according to FICO. But good lord, has our cash flow improved.
In any case, without getting too Dave Ramsey-ish, if you don't need to borrow money, then you don't need a credit score. If you don't have the disciple to save for purchases, then yes, credit can be a concern. Depends on whether you're proactive or reactive in your buying habits.