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Used Motor Deal is an online web site where the amazing and gratifying models of cars are listed for sale. Along with the listing, detailed information on invention and innovation which took place in the car industry is also provided here. The cars which are listed for sale are offered at highly reasonable and quite cheaper rates which serve convenience for the lower income group people to buy their desired cars as soon as possible. But still if any one is unable to buy new cars then that person can still be at our site as we even have a section of used cars. The section of second hand car is filled with number of different types of cars which are offered at reasonable rates because of which cheap used cars came into existence.

Not only buyers are invited to visit this site but also the dealers and sellers are welcomed at our site in order to place free classified ads for the motors which they want to sell. We even provide with informative articles on various topics like buying tips, effective procedure, car maintenance tips, cleaning steps and so on which are highlighted at this place. Along with this, cars of branded and reputed companies are also listed for sale. The car companies such as Chevrolet, Ford, BMW, and many more in this category are making a remarking statement. So, join us at Gear Up Media quickly if you want to be our registered member and want to buy a highly usable car at reasonable rates.

FEATURED CAR REVIEWS

Mazda 6 – Comes Under the Midsize Sedan Segment

Mazda 6 is the well appreciated automobile which belongs to the mid – size segment. This model is also called as the Mazda Anteza in Japanese automobile market and since 2002; it is built by the Japanese automaker, Mazda. Since its production, this range has sold more than one million units internationally.

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Chrysler Sebring – Reasonably Priced Midsize

The Chrysler Sebring is one of only handful of affordably priced mid – size automobiles to be provided as both a convertible and a sedan. The platform of this Chrysler model is based on the Misubishi Eclipse. This 4 – door vehicle is just perfect for four people. Each spare part of this roadster is responsible for its high quality...

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BMW X1 – Manufactured by German Automaker

The range of fuel – efficient BMW X1 is designed and built from one of the leading German automakers, BMW. This much stylish and cost – efficient SUV has strong position in luxury car market. It comes in three – major variants with six – speed automatic gearbox. Some models of this range are powered by four – cylinder...

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Planing To Apply For Auto Credit? READ THIS!

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Protecting Your Credit



Obviously the most important thing you can do is make your payments on time. Do everything you can to meet your financial obligations. If you are going to be late and you know before hand, call the lender and ask if you can change the due date. They will often work with you to help you keep your credit in pristine condition.

If they are not willing to work with you, reallocate the funds going to other lenders that will work with you or that offer a grace period. This alone can often not only save your credit but also save you money in late fees.

Other items like a bankruptcy, accounts in collections, liens, judgments, and any other financial-related data can be devastating to a credit score and it can take up to 10 years for them to come off. Most criminals aren't even on probation that long.

At least once a year check your credit report from all three bureaus to make sure all the information is correct.

It is also a good idea to subscribe to an identity theft prevention service. These services will protect your credit and if identity theft does occur they will repair the damage done with out costing you anything. Trying to repair the damage yourself can take months if not years to resolve everything so a service is a good idea.

Prevent Identity Theft



To prevent identity theft, always check your account statements carefully each month. Report any suspicious activity or any charges you don't recognize at once. Also check your credit report regularly and immediately investigate any new credit accounts you do not recognize - this is the best way of detecting and acting on identity theft.

If you have been the victim of identity theft, report to the police at once and get a police statement. Send copies of this to your bank and credit bureaus. Better yet, get the credit bureaus to attach the report to your credit report, if you can. Close all your accounts and reopen new ones. You should not have to pay for someone else's illegal activity.

To stay safe from identity theft, always follow safe banking and financial practices:

  • 1) Keep account numbers and PIN numbers safe. Cover your account and PIN numbers when using debit machines at the store and refuse to give your PIN number to anyone. Avoid writing down your PIN and account numbers - you never know when this information could fall into the wrong hands.
  • 2) Only do business with businesses you trust.
  • 3) If you get applications for credit cards in the mail that are "preapproved" rip up the applications and enclosed letters before discarding them. No, this is not paranoid. Identity thieves sometimes go through garbage in order to find these forms so that they can fill them out and steal your identity
  • 4) If you use a computer, install a good firewall and antivirus protection system and update it religiously. Better yet, take a course in safe computing at your local college or community center. You will learn many good tips for keeping all your information safe while you are online.
  • 5) Never buy anything online from a company you do not trust of from a company that does not have encryption technology, there will be a picture of a lock in the bottom corner of the browser, and a good privacy policy.
  • 6) Even with all of the computer precautions, avoid providing private information through email or your computer. Be especially cautious if you get an email from your bank asking you to verify your information by clicking on a link - this is a popular scam that comes not from your bank but from criminals posing as your bank. Ignore the email and phone your bank about the message.
  • 7) Be wary of unsolicited emails, phone calls, or mail advertisements. Most are from legitimate companies but there are companies who promise you a credit card over the telephone only to charge your existing credit card without sending you anything.

    Similarly, letters will sometimes promise you specific items or services. Once you send in your credit card information (usually to a post office box) you hear no more from the company. If you need or want to buy something from a company, be sure to check the company's standing with the Better Business Bureau first.

    Send a money order instead of a check (which had your account number) or your credit card information. If you do use a credit card, report any unusual charges or any payments you made for a product that did not arrive, to the credit card company. In some cases, they can stop payment or refund your money as well as take steps to keep your credit card number safe.
  • 8) Be wary of offers that seem too good to be true. If you get an offer for a ten million dollar check - for which you need to put down $5000 as a "sign of good faith"...if you get an offer for a free state- of-the art computer - if only you provide your account information... take a deep breath and consider before sending in your money and your information.

    Offers that are too good to be true always are. Scam artists often rely on your belief in others and your trust to make money. They depend on the fact that you will be so excited about a product or service that you will throw good judgment out the window. Prove them wrong.

    When faced with an offer that seems too good to be true, do some research on the web, through the Better Business Bureau, or ask the person making the offer some questions. Never take someone up on an offer that you have been given unsolicited unless the company and the offer both check out.
  • 9) Read the fine print. Some services or companies will have tiny print in their contract or agreement that allows them to charge you extra hidden fees or that allows them to retract certain offers. If you get an offer through email or the mail, make it a habit to read the fine print.
  • 10) Be alert for a sudden disruption in your mail service. If you do not get mail for some time, contact your post office and ask whether your address was recently submitted for a "change of address" service. It sounds strange, but it's true.

    One way that criminals steal identities is to change your address at the local post office. They redirect your mail to a post office box number and steal your mail looking for personal information such as bank statements, pre-approved credit card applications, and other pieces of mail they can use to steal your identity

    They use this information to pose as you with lenders and run up huge charges in your name. Simply keeping an eye out on your mail can help you keep your credit score safe.

    You are more likely to notice problems and inconsistencies if you check your credit score on a regular basis - at least once a year and preferably three times a year. Be sure to check your credit rating with each credit bureau, too. If you notice anything odd or anything you don't recognize (such as a charge account you did not open) report it immediately.

    Sometimes, these errors are caused by mistakes made at the credit bureau, but they could be an indication that someone is using your identity. In either case, such mistakes could hurt your credit score. Fixing such errors improves your credit score.

    A preventative measure that can end up saving you hundreds of dollars and months of time is to invest in an identity theft prevention services like LifeLock.com , which is backed by a one million dollar guarantee.

Repairing Your Credit

If your credit score is below 600, you are in serious need of repairing some damage. If there are any errors in your credit report, the first thing you need to do is dispute the errors. Credit bureaus have 30 days to prove the validity of the item you dispute. If they do not respond within the allotted time period, they must remove the item by law. If you are not sure if the negative ding is correct, challenge it anyway. Many people challenge everything to see what can be verified.

Once you have removed all the errors, check for the number of inquiries. The bureaus will often remove them if you ask them so just ask that they remove them and they most likely will.

The saying time heals all wounds is true with credit. The more time that passes between the bad mark and the current day, the less of an effect it will have on your credit.

Once you have removed the errors and inquires it is time to work on the late payments. Many lenders will remove a late payment if you ask them too. You may have to call several times to speak to the person that is having a generous day, but it can be worth it

If you have an account that has gone to collections you may have an advantage. I am not saying to stop paying your bills if you miss one payment because collections hurts your credit worse than a late payment will. The creditor wants to get there money. You want to have good credit. If you ask them to remove the negative marks from your credit in exchange for catching up or payment in full, they

often will be willing to do so. Not all lenders will do this so don't ever go to collections on purpose.