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Tuesday, January 22, 2013

I NEED A CAR!

GOTEAM! LETS RIDE...

     Heres the Deal GoTeamers, we all know its Tax Time, I KNOW, RIGHT? This is the time of the year when many of us with cars SEEK TO UPGRADE, and those of us without cars, WANT TO PURCHASE. Am I right? I KNOW!
     For some buyers, they can simply walk right up to the dealership and sign on the dotted line. No Problem Financed.

LOOK PEOPLE, our United States of America is Trillions of Dollars in Debt, The whole Country and You want to judge little ole experiencing a national recession me. REALLY HYPOCRITICAL! JUST A RANDOM RANT AND RAVE.. BUT BACK TO THE ARTICLE...

Many of us are dealing with those challenging situations where bankrupcy, past due accounts, repossessions, bum relationships, loss of income and the other yuckys which  prevent you from even getting through the doors of THE OFFICIAL DEALERSHIP! What options do you have?


Save every dime for 6 months and continue to ride the Rover or...

      If we  fall into the credit challenged category, We then are forced to visit the dreaded  TOTE THE NOTE! (SCREAM) and you know what that entails.

1. Old Cars for New Car Prices
2. Super High Payments which could probably purchase a MERCEDES BENZ with the (right credit score)
and most of all
3. Utter disrespect, lack of choices, and treatment of a leper!
I KNOW, RIGHT?

So being the GoTeamer I am, I have done an all out investigation of the
BEST and WORST TOTE the NOTES IN MURFREESBORO AND SURROUNDING CITIES, BASED ON MY PERSONAL APPLICATIONS FOR A VEHICLE. 

I TRULY WANT TO first say that many factors also come into play when dealing with tote the notes that do not matter at a OFFICIAL DEALERSHIP. Keep in mind the OD cares about 1 set of  facts  only,  CREDIT SCORE. Because with the right one you don't need a down payment. OD'S don't care about who you are, where you are from , how you look , as long as they are looking at an EQUIFAX REPORT WITH A 650 OR HIGHER.

Now when it comes to Tote the Notes they will Look you up and down, judge you by your looks, outfit , or just because, neighborhood, ethnicity, and everything else you always thought didn't matter while purchasing a vehicle. 
This is because many of them provide in house financing, or financing from a bank located clear across the country who only listens to one person at your potential dealer. 

ALERT! So you must absolutely choose your dealer carefully because they choose their customers very very carefully. 
YOU WILL BE JUDGED!
which, Honestly Speaking, is wrong but it happens, I say quit judging us and install GPS CUTOFFS in everything you sell off the lot! REALLY! and some of them do, but they still put you through the madness. WHY? 


INVESTIGATION:
FIRST I spoke with current and potential  clients (TEST GROUPS) of the lots I investigated, I gathered information about their income, credit, residence, references, and who they are (socio-economic background included). Then I applied those same situations to myself when filling out the applications except for those who verified credit (but then I found others with identical credit score via craigslist to apply also).  Believe me, I matched these clients to the verified tee.

   Because I'm the master of disguise, I also visited these lots dressed 3 different ways on seperate occassions weeks and sometimes months apart.1.Business Suit 2. Active Wear 3. Club Hoochie
and boy did this make a difference. But I always applied as Myself! huh! I know, Right?

SECOND I applied with the same credentials sometimes better (meaning longer employment and residence history) at lots where my test group received approvals and got vehicles. I recorded their down payments, deals if any were given and the class, type, year and full cost of vehicles after they have been financed.

THIRD After receiving all of my offers I weighed them against each other using all gathered facts, car, down payment, terms, ect and compared them to the test groups results.


SHOCKED SHOCKED SHOCKED SHOCKED and                  DID I SAY SHOCKED!

I want to keep this civil so heres my quick analysis
OVER $400.00 a month payments from Drive NOW! but they will finance you!
Rolling garbage heaps from Standard Auto Credit and limited Choices unless You are of a Lighter Complexion (which is truly startling because it a AFRICAN AMERICAN  operated business! and I really wanted to get my vehicle from them) SADFACE! but they will finance you...
Tinkam be a good ole Boy ONLY. I dont really know..no return call, at least call me to say NO! DANG!

and I choose many others but since these are the main three who really CLAIM TO TAKE CARE OF THE CREDIT CHALLENGED I WANTED TO REALLY SEE IF THEY WOULD AND GIVE MY HONEST TO AMERICAN EVALUATION, WHICH IS STRICTLY BASED ON COMPARISON AND PERSONAL EXPERIENCE. 


NOW FOR THE GOOD!

I really thought it was the end of the world and that everyone was a LOW DOWN sham. Until I made the aquaintance of MR. MIKE BERMAN! of City Auto. People let me tell you.
Their programs ARE  designed for virtually everyone. True you may have to save a bit more of a down payment, thats because the Vehicles which they offer are  NEWER, A VARIETY , CLEAN, FULLY INSPECTED AND WHAT EVERYONE DESERVES. BUT ITS MORE THAN JUST A DEALERSHIP , ITS A CREDIT REESTABLISHMENT  PROGRAM AND YOU GET THE RESPECT FOR YOUR MONEY WHICH WE ALL DESERVE.

MY PERSONAL FAVORITE REP IS MIKE BERMAN,  and this is why?  
First, He never once asked me to condemn myself by asking me what my credit was like. Its like when dealers ask you that question they force you to basically down grade yourself and feel terrible from the beginning of the conversation.  
Second, before I could ask , he fully explained the benefits of the programs at City Auto, careful to highlight the positives. Third,  he was flat out honest about the money! He was adimant about the Value of MY MONEY!
And Finally, he was Open to Me Speaking and Not Super Salesman Over Pushy and let me finish my sentences! which is very important, because I love to hear MYSELF TALK! I'm just saying.

TELL HIM GOTEAM SENT YOU AND REALLY GET MORE FOR YOUR MONEY! REAL GOTEAM TALK!

MIKE BERMAN IS THE WINNER!
CITY AUTO
1023 BRIDGE AVENUE
MURFREESBORO, TENNESSEE 37128
615-900-8777

DON'T FORGET TO TELL HIM GOTEAM SENT YOU FOR SPECIAL CONSIDERATION!

and by the way..back to taxes.. Set your Tax Appointments for Sundays only with me
 (Sherreka GoTeam Crenshaw) call 615-624-8137 EVERYONE WHO FILES RECEIVES $50.00 CASH IN A FLASH, RIGHT THERE BEFORE YOU LEAVE OUT THE DOOR! OR EMAIL QUESTIONS TO libtaxboro@gmail.com 10 years Tax experience, Schedule C (small or homebased business) Specialist and always free estimates!

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