Published on 21 August 2013 Hits: 3957
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Privacy Statement

Auto Credit Financial

Terms of Service

This Notice Applies to (collectively, referred to as "you"

*Customers *Former Customers *Applicants and not limited to:

*Automotive Dealerships New & Used *Affiliate Markets.*Third Party Lead Providers

Our Privacy Commitment to You, Auto Credit Financial & Dealer Marketing (ACDM), we are committed to providing you with financial products and services to meet your needs. Our commitment includes protecting the personal information we retain about you (referred to as "information" in this notice) when you apply for or obtain a product or service from us to be used primarily for personal, family or household or business purposes.

We want to earn your trust by using strict safeguards to protect information about you as we continue to bring you our products and services. Please read this notice to learn more about privacy and data security at ACDM. The policies and practices described in this Privacy Notice are subject to change, but we will notify you if there are significant changes.
Data Collection and Security
I. Why We Collect and Share Information
By knowing more about our customers, we as well as our business partners can provide specialized products and services that may be of interest to you and your family. We may also be able to improve upon your experience when contacting us or using one of our products. Additionally, we may collect and share information to help protect you from identity theft and fraud. For example, we may verify your identity when you open an account with us and when you make transactions.
II. We Collect Information about You from the Following Types of Sources
Applications, questionnaires and other forms you submit (information such as your name, address, social security number, assets and income).
Your transactions with us and others (information such as account balances, fees, payment history, checks, parties to transactions and account usage).
Our communications with you regarding account activity.
Credit bureaus (to determine your eligibility for credit or other financial products).
Public sources, including census data and real estate records.
List vendors and membership lists, including magazine subscription lists.
Web-based tools when you visit our Web sites, including "cookies."
Telephone calls, which we may monitor or record when we communicate with you.
III. Our Security Practices
Our Safeguards for Information Confidentiality and Security:
We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to protect against ID theft.
Access to information about you is restricted to authorized employees obtaining that information for business purposes.
We carefully select and monitor the outside companies we hire to perform services for us, such as mail vendors who send out our statements. We require them to keep customer information safe and secure, and do not allow them to use or share the information for any purpose other than the job they are hired to do.
We train our employees on these security procedures, and we conduct regular audits to verify compliance with them.
Information Sharing
We May Disclose Information that We Collect as Described Above to the Following Entities:
Other companies in the ACDM family, as described at the end of this notice.
Financial service providers, such as securities broker-dealers or insurance companies.
Non-financial companies, such as retailers, data processors, and advertisers.
Carefully selected business partners (e.g., so they can alert you to their products and services).
Companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements (CA Residents: Other than as required or permitted by law, we will not disclose information about you to other financial service providers with which we have joint marketing agreements unless you authorize us to do so).
Other third parties, including non-profit organizations, as required or permitted by law, or when you permit us to share information about you.
Choices You May Make for Your Privacy
You may choose to limit the way we share information about you. You may also choose to limit the solicitations we send you. These choices are referred to as "opt-outs."
I. Sharing of Information Outside of the ACDM Family of Companies
If you do not want us to disclose information about you outside the ACDM family of companies, you may choose to opt out of those disclosures. In other words, you may tell us not to share this information and we will not, except in those cases where we may be required or permitted by law. For example, required disclosures may be made to law enforcement and banking regulators, while permitted disclosures may be made to vendors assisting us in opening, maintaining or servicing your account. (CA and VT Residents: To the extent state law applies, we will not disclose information about you outside the ACDM family of companies, except as required or permitted by law.)
II. Use and Sharing of Information Among Companies in the ACDM Family
Affiliate Sharing—We may share your credit information within the ACDM family of companies. Credit information includes financial information you may share with us or credit history that we may obtain from credit bureaus. If you do not want us to share your credit information with other companies in the ACDM family, you may choose to opt out. (VT Residents: To the extent state law applies, we will not disclose credit information about you within the ACDM family of companies except as required or permitted by law.) If you opt out, we will not share your credit information with other companies in the ACDM family.
Affiliate Marketing—Companies in the ACDM family may market their products and services to you based on information received from other companies in the ACDM family. This may include any information collected about you including your income, your account history, and your credit score. If you would like to limit the offers you may receive based on this shared information, you may choose to opt out. If you opt out, we will not market products or services to you based on information received from other companies in the ACDM family except as expressly permitted by law. This limitation will not apply in certain circumstances, such as if you ask to receive information from a ACDM company.
III.   Limits on Solicitations from Us
You may tell us not to solicit you at your postal mailing address, telephone number or e-mail address.  If you elect not to receive marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other nonmarketing purposes. We may also continue to provide marketing information in your regular account mailings and statements, including online communications.
IV.   How to Opt-Out
Your opt-out choices will continue to apply until you tell us to change them, except with respect to limits on solicitations which we will honor for the time periods required by law. If you have previously opted out based on a ACDM notice and would like to keep the same preferences you do not need to opt out again.
Joint/Multiple Accounts: Your opt-out choices will apply to all of your consumer accounts within the ACDM family of companies, including joint accounts. For a joint account, an opt-out choice made by any joint account holder will apply to all account holders.
Applicants: Unless otherwise notified, applicants who do not become our customers may not make certain privacy elections.
To exercise one or more of your opt-out choices described:

Important Information about Credit Reporting: we may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Companies Providing this Notice The Auto Credit Dealer Marketing family of companies includes companies controlled by Auto Credit Dealer Marketing LLC such as those whose names start with Auto Credit or AutoNet or "these companies include"

 Auto Credit Financial  Auto Net Finance a Mark Hergert Company

Auto Credit Financial ServicesAuto Credit Financial Services

Auto Net Financial Services a Mark Hergert CompanyAuto Credit Dealer MarketingAutoNet Credit File

www.AutoNetTrade.us
www.AutoNetFinance.com
www.NoSaleNoFeeLeads.com
www.AutoCreditDealerMarketing.com
www.AutoNetFinance.net

www.AutoNet.name
www.FaceCracked.com
www.AutoCreditFinancial.us

www.BadCreditAutoTruckLoan.net
www.BadCreditAutoTruckLoans.com
www.MarkHergert.com

Unless you are expressly told otherwise and provided a separate privacy notice, this notice applies to all companies within the Auto Credit Dealer Marketing family of companies.

Protect your information. Never give your Social Security number or personal credit information over the phone or the Internet unless you initiate the communication. Keep your personal identification number (PIN) and password in a safe place. Try to memorize your PIN and password and do not write them down with your account information.
Destroy and/or securely store your account records, tear or shred receipts, bank statements and unused credit card offers. Keep billing statements and other account related documents in a safe place.
Immediately report lost or stolen checks or credit cards.
Do not carry your personal identification numbers (PINs).
Promptly review all account statements and immediately report any discrepancies to your financial institution.
Retain receipts from all ATM, debit and credit card transactions. When you are ready to dispose of them, make sure your account number is not readable.
Immediately sign new credit cards.
Report unusual telephone or e-mail inquiries or other suspicious activity to your Telephone Company or local law enforcement authorities.
Never share your user name, password, or security questions with anyone, and beware of suspicious e-mails or unsolicited phone calls asking for this information.
If you get an e-mail that claims to be from us but you are not sure, or you think it is suspicious, do not click on any of the links. Just send the e-mail to us at This email address is being protected from spambots. You need JavaScript enabled to view it.This e-mail address is being protected from spambots. You need JavaScript enabled to view it
and then delete it.
Regularly review your credit report. Keeping your credit report error-free is important. Order a copy of your credit report and immediately alert the credit bureau, as well as the specific creditor, of any mistakes. See www.ftc.gov for more information on how to request one free credit report per year from each credit bureau.
The three national credit bureau agencies are:
Equifax - www.equifax.com 1-800-685-1111; Experian - www.experian.com 1-888-397-3742; TransUnion - www.transunion.com 1-800-888-4213
If you have been a victim of identity theft, immediately notify your creditors, local law enforcement and the credit bureau agencies listed above. If you think your identity has been stolen, you may want to visit http://www.consumer.gov/idtheft, sponsored by the Federal Trade Commission.
Update your personal information as necessary by calling us using the customer service number on your account statement or visiting your local banking office.
Learn about the Children's Online Privacy Protection Act (COPPA). Follow the tips for parents at the Federal Trade Commission's Web site for children's privacy at http://www.ftc.gov/bcp/edu/pubs/consumer/tech/tec08.shtm We respect the privacy of your children, and we comply with the COPPA. We do not knowingly collect or retain personally identifiable information from individuals under the age of thirteen online.

© 2013 Auto Credit Dealer Marketing Lead Exchange. All rights reserved. Date Last Revised 2/2/2013 | 1, This notice applies to the US operations of the Auto Credit Dealer Marketing family of companies (ACDM or Mark Hergert and the companies it owns or controls). For more detailed information about the companies providing this notice, please consult the list at the end of this notice.This site provides information about and access to financial services offered by the Auto Credit Dealer Marketing family of companies, including ACDM (USA) Auto Credit Dealer Marketing does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site.

2007-2014 ® Auto Credit Financial & Dealer Marketing Services

 © All rights reserved

600-100

Auto Credit Financial Services ®
US Corporate Operations Division 
75-5737 Kuakini Hwy

Kailua-Kona, Hawaii 96740 USA
http://AutoCreditDealerMarketing.com
Toll Free: 866-554-8322

 
Published on 21 August 2013 Hits: 1773
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Automotive Financing Tips

 Bad Credit Auto Loans

Automotive Financing Tips for People with Bad Credit

Getting a Car Loan Approved with Bad Credit

 

A credit score is an important factor considered by Auto Credit Financial loan evaluators when processing loan applications. It basically determines how you handle debt and how capable you are of paying them off. Having a bad credit while applying for a loan can become problematic. Likewise, auto loan with bad credit, much like any other loan application will be utterly difficult.

Auto Credit Financial notes how easy it is to have bad credit scores. This is the reason why a lot of companies already offer assistance to people who are dealing with credit issues.. Given this, is it really possible for a person to loan for a car having bad credit? The answer is yes.

 

Auto Credit Financial says that despite the notion that says people with bad credit histories are less likely to be approved for a car loan, a lot of lenders are actually giving these people a chance. During the lowest times of the recession, due to people’s growing inability to pay off loans, car industry numbers dropped.

 

Auto Credit Financial ®

applynow-images

 

 

According to a recent expert findings from Auto Credit Financial, “more buyers with poor scores are getting approved, and adding their lower scores to the mix has brought average scores down almost to pre-recession levels”, which simply means: bad credit car loan being possible. This is a good thing, considering it is coming from the lender and the car industry’s initiatives.

The Detroit News supported this claim, when it observed that there were 1.9 million cards currently being issued to borrowers with bad credit histories. Apparently, lenders in the automobile industry are giving borrowers a chance.

Still, if it is to be seen from a personal-financial management perspective, it will be important to address the main cause, which is poor financial or debt management. Instead of grabbing this tempting opportunity, it may be more helpful to focus on improving your credit score by improving your finance management skills.

Before applying for a loan, you may want to pay off that skyrocketing debt little by little until your score improves. Through this, you would not incur more debts from lenient lenders, but lessen your obligations before being able to acquire that dream car. Thus, getting a car loan despite bad credit score is possible. However, it will have to take hard work still.

 2007-2017
A Mark Hergert Company
Automotive Financing Tips  Bad Credit Auto Loans
 
Published on 21 August 2013 Hits: 1409
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Credit Problems?

 

 

Get Pre Approved For Car and Truck Loans

 

Credit Problems?

you’re certainly not alone as there are countless Americans that are in the same boat right there with you. This article will certainly give you the information that you need to overcome having bad credit so you can get on the road with a good auto loan.

 

What If my car was repossessed recently?

You will still get approved even if the repo person just left your front yard. Recent repossessions that are not included in a bankruptcy will not prevent you from being able to get approved, If that’s you, don't worry we got you covered!

If you have a good credit score we can help you, but bad credit is our specialty. Auto Credit Financial Services can get things done for you that you can’t get through other sources.

Have you been turned down for a car loan? If so, then you need to apply for a loan today at Auto Credit Financial.  We can work with you to find the financing and car or truck you need.  

We can help you build or re-establish credit and get you on the road quickly and easily. Have you ever considered having your financing approved before you set out picking out cars and going on test drives by having your financing arranged prior to shopping, you’ll save yourself a lot of headaches.

You’ll know exactly what you’re qualified for, and above all, will probably get a lot better deal because you will have gone straight to the source, rather than going through third party dealerships.

Accepting a preapproved bank loan from and making timely payments over the long term will improve your credit history. If the preapproval is for a auto or truck loan be sure the financial institution is reputable and not a fly-by-night company.

Remember you are not required to accept any preapproved credit for which you did not apply and even for loans you seek out, nothing is finalized until you sign the contract.

 

Pre=Approved Bad Credit Auto & Truck Loans®

A Mark Hergert Company 2014

 
Published on 21 August 2013 Hits: 934
Print

Automotive Financing Tips

 Bad Credit Auto Loans

Automotive Financing Tips for People with Bad Credit

 

Getting a Car Loan Approved with Bad Credit

A credit score is an important factor considered by Auto Credit Financial loan evaluators when processing loan applications. It basically determines how you handle debt and how capable you are of paying them off. Having a bad credit while applying for a loan can become problematic. Likewise, auto loan with bad credit, much like any other loan application will be utterly difficult.

 

Auto Credit Financial notes how easy it is to have bad credit scores. This is the reason why a lot of companies already offer assistance to people who are dealing with credit issues.. Given this, is it really possible for a person to loan for a car having bad credit? The answer is yes.

Auto Credit Financial says that despite the notion that says people with bad credit histories are less likely to be approved for a car loan, a lot of lenders are actually giving these people a chance. During the lowest times of the recession, due to people’s growing inability to pay off loans, car industry numbers dropped.

 

Auto Credit Financial ®

applynow-images

 

 

According to a recent expert findings from Auto Credit Financial, “more buyers with poor scores are getting approved, and adding their lower scores to the mix has brought average scores down almost to pre-recession levels”, which simply means: bad credit car loan being possible. This is a good thing, considering it is coming from the lender and the car industry’s initiatives. The Seattle Times supported this claim, when it observed that there were 1.9 million cards currently being issued to borrowers with bad credit histories. Apparently, lenders in the automobile industry are giving borrowers a chance.

 

Still, if it is to be seen from a personal-financial management perspective, it will be important to address the main cause, which is poor financial or debt management. Instead of grabbing this tempting opportunity, it may be more helpful to focus on improving your credit score by improving your finance management skills.

Before applying for a loan, you may want to pay off that skyrocketing debt little by little until your score improves. Through this, you would not incur more debts from lenient lenders, but lessen your obligations before being able to acquire that dream car. Thus, getting a car loan despite bad credit score is possible. However, it will have to take hard work still.

 Auto Credit Financial 2007-2014
Automotive Financing Tips  Bad Credit Auto Loans
 
Written by Mark Hergert
Published on 21 August 2013 Hits: 4841
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Anatomy of a Credit Score

The Car Loan Process..

Your credit score, also known as a FICO® score, is a number that reflects your credit worthiness at a given point in time. It is the key to your financial life and is used by mortgage lenders, car loan lenders, credit card companies, landlords, cell-phone companies, and even prospective employers to size whether you are a good or bad credit risk.

 

Credit Report2

Your credit score (FIG) determines the type of auto loan rates you qualify for at any bank, merging credit or financial institution. We offer tips, tools, strategies and solutions for resources to later improve your credit score (FICO) before purchasing the car. We offer user-friendly tools to improve credit, both for the do-it-yourself and those seeking a stress-free experience rebuilding credit.

Whether you are a Prime, sub prime, or high-risk borrower, knowing your score (FICO) will help you negotiate the best interest rate on the loan. Each level of the borrower (first, sub-prime and high risk) has a range of interest he or she is qualified for based on their credit. To know what the interest rates you qualify for all will help you approach a dealer with confidence, because you will have realistic expectations on your current financial situation.

AutoCreditApply Now!

FICO or Fair Isaac Co. in San Rafael, California was founded in 1956 by Bill Fair and Earl Isaac. These two gentlemen were pioneers in the field of credit scoring for financial companies. The company has developed system software that the credit agency and most lenders use to calculate your credit score, also known as FICO.  FICO uses a three-digit rating that helps determine the risks lenders would take to loan money.

The FICO scoring system uses 5 pieces of information: payment history (35%), the amounts due (30%), length of credit history (15%), the new credit (10%) and types of credit. It uses this data to generate a three-digit scores (300-950). Scores of 750 or higher are considered excellent and qualify for the minimum (best) interest. Scores below 619 are considered poor and qualify for the highest (worse) interest rate that can prevent you from qualifying for any type of loan. Auto Credit Financial offers solutions to customers, the scores of trying to establish credit, rebuild or improve.

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2007-2016

A Mark Hergert Company ©

 

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What's My Payment?

Down Payment($):
Auto loan amount ($):
Your Credit Rating:
Interest rate (%):
Auto loan term (months):

Credit Information Before You Buy

AUTOLOAN

After years of delays, the credit industry finally agreed to give consumers access to their personal "credit scores." This is important, because lenders use credit scores to determine who to give credit to and at what rates. Knowing your credit score can be empowering,If it's low you can take steps to improve your credit worthiness and if it's high you may be able to use it as leverage when shopping for your next car loan.