If you have good credit, be proud. If you have excellent credit, be even prouder. I used to have excellent credit. Then I had good credit. Now I have bad credit.

If you are one of the tens of thousands of people who are struggling to make ends meet know that you are not alone. As I stated, I had excellent credit – I paid my bills on time, more than the minimum payment. Then life would happen and inevitably I would need to fix something with my car which of course I would put on my credit card and would end up charging more in a month than I intended to. Then I would get another credit card because the one was too close to the credit limit. Still I kept up on all my payments. Then things snowballed and it turned out that the payments I was making were not actually lessening my bill any month after month. Interest. I think people forget what a monster that is. Then my revolving credit was too high, too much used, and it just got away from me and slowly but surely my excellent credit went to good, which I still was not concerned about, but then went to bad.

As I struggled to repair my credit, my car was getting older and older. More things were going wrong with it. I stopped using my credit cards so did not have that to fall back on when I had to make a purchase. I need my car to get my children around and to get back and forth to work because let's face it, no working, no money coming in, and I was just sinking more and more money into a car that had over 100,000 miles on it and was over 15 years old.

If you find yourself in the same boat, then there is help. Of course you need a loan to make a purchase such as a car, and who is going to give you a loan with bad credit? Mr. Ed Finance Department gives “Auto Loans for Good People with Bad Credit.” This helps you not only secure a loan for a used car that you desperately need if you want to continue to work, especially if you live in a rural area and cannot depend so much on mass transit, and plus that loan is actually helping to repair your credit. Mr. Ed operates within all of the Earnhardt Auto Centers dealerships located throughout the Metro Phoenix area, and they have plenty of used cars to choose from including Ford, Toyota, Dodge, Chrysler, Jeep, RAM, Honda, Scion, Buick, Cadillac, GMC, and more! Not only are you getting in a newer and safer car, but you are rebuilding your credit at the same time and you cannot rebuild your credit if no one is ever going to give you credit again. Luckily Mr. Ed is there to help.

Check out the Earnhardt Auto Centers and see how Mr. Ed's Credit Department can help you repair and rebuild your credit and allowing you to get into a car so you can make money and get around without having to worry about putting more money into an older car that is not even worth putting money into anymore.

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