Building and maintaining good credit is a lifelong process

Auto title loans: are a form of cash advance available to people who might not have access to other forms of credit. Apply Online at Auto Repair Lending, We offer Auto Repair Loans, Emergency Loans, Vehicle Purchase Loans through our online auction at Auction Nation located at: 2601 W Cypress St, Phoenix, AZ 85009
Phone: (602) 516-7066
and Sierra Auto Auction 3570 Grand Ave, Phoenix, AZ 85019

Building and maintaining good credit is a lifelong process. And if you’re trying to fix your credit, the time it takes depends on several factors, including the type of damage. Here’s what it takes to get started repairing your credit.

Review Your Creditcredit-graph

If you haven’t already, you should take a look at your credit reports. It’s a good idea to review the report from each of the three main credit bureaus — TransUnion, Experian and Equifax — as they don’t all include the same information. You can get free copies from each of the bureaus every 12 months when you visit You can also see two of your credit scores for free on, which are updated every 14 days.

Prioritize & Take Action: Credit repair is something you can do on your own or turn to a professional for assistance. Either way, it’s a good idea to prioritize your actions based on severity.

Assess the Issues: Once you have copies of your reports, it’s time to look through them for items that could be bringing your scores down. (You can take a look here at the five factors that influence you credit health.) Late payments, charge-offs, bankruptcies, court judgments, a short or “unscoreable” credit history and high credit card balances are just a few of the issues that could be weighing down your score. But, beyond those, you may be surprised by other issues that cause credit damage.

Mistaken identity: A 2014 Consumer Financial Protection Bureau (CFPB) report found that A misspelled na
me, address or Social Security Number (SSN) could result in someone else’s financial history appearing on your credit reports, affecting your score in the process. 25% of consumer complaints are the result of mistaken identity.
Reporting errors: The Federal Trade Commission (FTC) study found that one in five consumers had at least one error listed on one of their credit reports. These can include accounts closed that appear open on your credit report (or vice-versa), unfounded late payment citations, incorrect revolving or fixed credit balances, incorrect credit limits and other outdated account information. Of those affected, 20% reported a significant increase in their credit scores once the errors were removed.

Identity theft: According to the Bureau of Justice Statistics (BJS), 17.6 million Americans reported cases of identity theft in 2014. Add to that, 86% experienced the misuse of an existing bank account or credit card, but these aren’t the only problems. Many identity thieves open new accounts in their victims’ names and even use Social Security numbers to further their crimes. If this has happened to you, you may notice these items on your credit report and you can dispute these credit report errors.
Review your credit reports carefully to highlight which of these issues may be damaging your credit. You’ll need a complete list of anything inaccurate or unfair in order to dispute them (and get them removed from your credit report). It’s also good to know how long things can legally remain on your credit report, which we explain here. That can help you understand how long you may have to wait to fully recover from negative credit events

Ongoing credit damage caused by errors and identity theft should be handled immediately. Contact your lenders and the credit bureaus to alert them of the situation and then work to get them removed. (You can read more here about what to do if you’re a victim of identity theft.)

From there, it’s a good idea to take a look at the five factors of credit scoring and consider using them as a road map to positive change. Consider behavior changes like paying your bills on time, maintaining low revolving debts, keeping old accounts open and active and using discretion when applying for new credit. You might also consider revisiting your household budget to determine if it’s possible to reallocate money and accelerate your efforts.


Bad Credit Loans -What you Need To Know

No credit?  No Problem!  Bad credit?  No Problem!

Bankruptcy, foreclosure, repossessions, collections, charge offs, judgments, tax liens or all the above…It’s NO Problem!

Auto Repair Lending is awaiting your loan application and they will say yes! Applying is fast and easy- and you will know in about an hour.Located in Phoenix AZ – With a physical office location gives you piece of mind that you always have a person you can speak with.

They’re approving thousands of customers with credit issues daily and you can be their next approval if you know where to find them.

Auto Repair Lending offers guaranteed credit approval for anyone 18 years of age or older with a free and clear title and proof of residence and valid phone number- your good to go.

No matter how bad your credit may be, Auto Repair Lending can help get you back on the road. They lend for all sorts of emergency lending situations.

 What to expect when buying a car with bad credit.

Car title loans and auto title loans in Arizona are designed for consumers who need to borrow money only for a short length of time – although you may utilize the longer term agreement it is not recommended. People use this type of loan for many reasons- Sometimes they are simply repairing there credit and do not want another inquiry lowering there decent credit score. Whatever your reason, try to keep it short term. They can be expensive loans but they are convenient, very quick funding-same day-no hassle.


Bad Credit Short Term Loan

No Credit. Bad Credit. OK

Bad Credit Short Term Loan Car title loans and auto title loans in Arizona are designed for consumers who need to borrow money only for a short length of time – although you may utilize the longer term agreement it is not recommended. People use this type of loan for many reasons- Sometimes they are simply repairing there credit and do not want another inquiry lowering there decent credit score. Whatever your reason, try to keep it short term. They can be expensive loans but they are convenient, very quick funding-same day-no hassle.

How To Repair Your Credit

Do you have bad credit and searching for ways to save yourself from a lifetime of financial problems? You can see the light at the end of the tunnel by working with a top financial credit repair company.

Here are just a few ways a credit repair consultant can improve your financial health today:

  1. To recover from unpaid or extremely delinquent credit accounts, make sure your credit report is as accurate and current as possible. If you see anything negative that you don’t recall being yours or more than 7 years old, get it addressed. By having this done, you can start to find ways to add positive data to your credit report.   Creditsign
  2. Pay off outstanding past-due credit accounts and haven’t been charged off. This strategy will bring the accounts to current and help you begin to generate positive account data on your credit report. Remember late pays on your account will still be on your credit report but you can make positive behaviors work in your favor going forward.
  3. Show that you can pay what you owe even if you pay late. Ideally you should try to pay at least 30 to 50 percent of your credit limit on any given open credit card. If you can pay it off in full, do it. Try to pay off your balance in full each month.


When the economy hits a downward turn, there are two things that you can count on: people with less than perfect credit will still need loans and there will be plenty of places that offer them.  But just because it is readily available, is it the right way to go?

The fact is that there are good points and bad points associated with one of these lodo the mathans.  But before you decide, you have to weigh your options and see if it is a good fit for your particular situation.

First, the good points.  These loans are convenient.  The process is so short that you can usually find out if you are approved within an hour or so.  If accepted, the money is typically available within a couple of days, or even the same day.

Another good reason that this might be the right loan for you is right there in the name.   These loans are specifically designed for people who do not have perfect credit.  They understand that you will not be able to go the traditional route to get money.

If you do take out one of these loans it can be a good way to get started rebuilding your credit.  Without this new piece of credit being extended to you, your credit score will be at the mercy of using the only other recent information on it, which stands a good chance of not being very favorable.  At least it shows that you are working to bring things back.

Now, the cons, which there is really only one.  These loans are available for a reason: they cost a lot more.  Having this type of opportunity available to you is going to cost you.  Just how much depends on your individual situation.  Many are okay with paying the added expense because it is the only thing available right then.  You just have to decide if it is worth the extra cost.

 You have to consider three aspects of these loans: the processing fees, the interest rate and pre-payment penalties, (Auto Repair Lending does not charge a pre-payment penalty) or late fees.  All of these have to be factored in.  Make sure that you read and understand everything.Lastly, interest rates are just a monthly number until you count up the total cost.  Have them run the total that you will be paying in interest.  It might make the decision for you. This is a great option if you understand the best way to utilize this loan is to pay it off quickly. Do not use the full term of your loan if you can manage that.  If you have a $75.00 payment every month, add as much to that each month that you can manage.  You will get rid of it faster, it will have served its purpose to help you out in a emergency- and finally, you are on your way to improving your credit so next time around your options will be much better.


approved 3

Personal loans for people with bad credit. We help people with bad credit get personal loans and personal title loans. Our loans are quick and online, so if you need a personal loan then we are here for you with no credit check.

Personal Loan for Bad Credit
Personal loans for bad credit are for people with good credit or bad credit. The are called personal loans for bad credit because no credit checks are performed and therefore people with bad credit can get approved easily.

Personal Title Loans
Personal Loan Companies provide personal loans with no credit check by using your title as your credit. Need personal loan? 

An investor is someone who commits capital (money) in order to gain a financial return. Auto Repair Lending is the direct lender no middle man and local.— To be competitive, we offer lower interest rates than most title companies.  A customer is approved very quickly once they fill out our fast and simple application with Auto Repair Lending. Our financing  is based on certain information they provide, like how much money they need, how much money they make, and if they have applied for a short-term loan before. (we can sometimes pay that old loan off for the customer)Auto Repair Lending benefits both the lender, repair shop, and the customer: the lender offers lower rates for the customer.  It’s a win-win for everyone.

The value of your car is all you need to get a loan:

Why not get started right now?

Some Benefits our Direct Lenders Provide:

• No credit checks • Bad credit is ok • No credit is ok • Fast service •Direct funding to repair shop • Local and convenient