Gary McClure: Author

tag:blogger.com,1999:blog-24271565464715524072011-11-27T16:41:19.259-08:00Gary McClure: AuthorWelcome to the Blog of Gary McClure, President and Founder of CMAC Enterprises and Author of the book:"The Insiders Secrets".Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.comBlogger131100tag:blogger.com,1999:blog-2427156546471552407.post-32372678855686966902009-06-23T13:33:00.000-07:002009-06-23T14:03:32.246-07:00Do you know how the credit scoring system works?

What's your credit score?Lenders use an automated "credit scoring" system to assist them in make decisions on loan applications. If you have a high score (700 and above) you stand a good chance of being approved. If your score is lower, you might still have other factors that will lead to an approval. But if you score is low (620 and below) you’re in trouble.If you fall into this last category

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-63355540499334741982009-06-23T12:56:00.001-07:002009-06-23T13:15:29.545-07:00Payoff Your Debt Early, Increase Your Equity and Save on Interest Charges - An Easy to Follow Guide

This economy sucks and things are tough for almost everybody. We can sit around waiting for the government stimulus plan to bail us out individually or we can create a personal stimulus plan for ourselves. But how do we do that? Some people start buying more lottery tickets or try to start a home based business, while others turn to the Internet looking for the secret to quick and easy wealth.

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-56557000474169488032009-04-15T16:55:00.001-07:002009-04-16T22:21:25.994-07:00"Test Your Car Buying and Financing IQ"

There are some basic questions that anybody looking for a vehicle and/or financing should know the answers to, and I don't mean "THINK" you know the answer, I mean "KNOW" the answer. Take this short test and find out if you really know the answers. 1. Am I really getting the best interest rate and loan terms that I qualify for?2. What's the difference between a purchase and a lease?3. How much

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-24481819890361892162009-04-13T10:25:00.001-07:002009-04-13T16:25:44.305-07:00Games the Auto Dealer Wants to Play

Auto dealers don't play these games for fun, they play them for profit. You don't h8ave to play the game, but you should definitely know the rules. From the minute you set foot on a dealership, sales personnel will start playing a game called "the steps to the sale". It begins with the "meet and greet" and continues with "building rapport, gaining trust and qualifying" right through to the "demo

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com1tag:blogger.com,1999:blog-2427156546471552407.post-48922495708186269862009-04-03T13:10:00.001-07:002009-04-03T17:39:39.379-07:00Thinking of Using a Credit Repair Specialist to “Fix” Your Credit? Think again.

Credit repair companies or "specialists" are popping up all over the country in the last few years, so many in fact that Credit Repair Organizations Act (CROA) was passed in 1996 to protect and advise consumers of their rights when using a credit repair specialist. I strongly suggest that you refer to the CROA before entering into any contract with a credit repair company. Some of these

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-23876266990885815172009-04-03T13:08:00.001-07:002009-04-03T17:40:32.888-07:00“No Credit Application Refused”

We've all seen those advertisements that promise auto financing for everyone. What you don't see is the real truth behind these ads. No auto dealer is ever going to "refuse" a credit application, there's a big difference between accepting and approving a credit application.It might surprise you to learn that the auto dealer's most profitable customers are usually those with "sub-prime" credit,

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-13799175100686722532009-03-26T22:42:00.001-07:002009-06-08T15:30:53.791-07:00Bankruptcy Doesn’t Have to Be the End of Your Credit Life

After your bankruptcy has finally been discharged the courts and you have your discharge papers in hand, what next? How do you begin to rebuild your credit? The first thing to remember is what led you to your bankruptcy to begin with. You don't certainly don't want to end up in the same financial situation again. The next step is to begin to rebuild your credit, but where do you start? Credit

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-50114284502808652822009-03-26T22:36:00.001-07:002009-03-26T23:45:49.191-07:00Just a Few Credit Card Myths

They might sound sensible, but believing a credit card myth can cost you a lot of money in fees and hurt your credit rating.Here are some of the most pervasive credit card myths to watch out for: Writing 'See ID' on the back of your cards will stop a credit card thief.The Reasoning: The "Ask for ID" or "See ID" prompt reminds salespeople to confirm that the name on the credit card matches that of

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-48354684844901732322009-03-23T09:48:00.001-07:002009-03-28T00:56:44.972-07:00Do You remember the Last Time You Decided to Buy Yourself a Car

Once the decision to buy a new car has been made there are a number of other important decisions to be made. Making good decisions will help ensure that you don't make some of the most common car buying mistakes. With that decision came other decisions, like what car to buy? How much can I afford to spend? How much of a monthly payment can I afford, and should I look for a new car or a used one

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-63806923881515202232009-03-23T09:45:00.001-07:002009-03-23T09:45:53.749-07:00The Surprising Costs of Automobile Ownership

The actual costs of owning an automobile depend, to some extent, on where you live. Generally, owning a car is more expensive in a city; where you may need to pay for parking and face higher insurance premiums – and less expensive in a suburban or rural area. But you may be surprised to know that the average US household spends almost 20% of its total income on car related expenses. So where does

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-52044550931177360402009-03-20T02:41:00.001-07:002009-03-20T12:10:33.937-07:00Credit Reporting: Do You Know Your Rights?

If you've ever been turned down for a credit card then you've probably received this nice letter in the mail;Dear Consumer Thank you for applying for a credit account with SO and SO Finance Company. After carefully reviewing your application, we are sorry to advise you that we cannot open an account for you at this time. "Our credit decision was based in whole or in part on information obtained

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-16886539991614059422009-03-19T09:40:00.001-07:002009-03-19T22:52:34.817-07:00The Secret to Negotiating a Great Car Deal

There are a lot of things to consider when you're shopping for a car, not the least of which is the price. Other things to consider would include the year, make and model. Do you want a new car or a used car? Will you pay cash or finance? Will you purchase or lease. Should you buy from a dealer or a private party? These are all relevant and important questions, but regardless of the answer to any

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0tag:blogger.com,1999:blog-2427156546471552407.post-80870323709096453262009-03-16T23:36:00.000-07:002009-03-17T00:44:26.312-07:00Do you really understand the difference between leasing and buying? I'll bet you don't!

Are you planning to buy a new or used car? If so, you should understand the real differences between a conventionally financed loan and a lease. Regardless of whether you plan to buy a new car or a used one, leasing can be a very viable option, as long as you understand the differenceIn general, leases are more likely suited to buyers who trade more often, drive fewer miles, take very good care

Gary McClurehttp://www.blogger.com/profile/12077418169046326461noreply@blogger.com0