Problem: Article: Your dealer may try to convince you that you won't qualify for a bank loan because you don't have sufficient proof of income. Don't fall for this. The dealer may be misleading you in order to get you to work with their financing. Dealer financing often comes with higher interest rates, which can mean a bigger monthly payment. Or, they may stretch the loan out for 72 months or more in order to make the monthly payment lower. In this case, you could still be paying off the loan after you no longer own the car. If you are a member of a credit union, check with them first about getting an auto loan. Credit unions are member- and community-oriented. They offer a user-friendly loan process and competitive interest rates. If you already have a relationship with a local bank, visit a branch and meet with a someone in person. Since they already do business with you, they will be familiar with your financial history and be more willing to work with you. Predatory lenders employ unfair or fraudulent practices. If you cannot provide proof of income, these loans might seem attractive because they are easy to get. However, these loans come with very high interest rates and expensive fees and charges. It's not always simple to recognize a predatory loan. Be on the lookout for the following red flags. If you are encouraged to put false information on the loan, it's likely a predatory loan. If add-on packages come with the loan, such as insurance, theft deterrents or rust-proofing, don't take the loan. These packages don't add value and simply inflate the loan amount. Ads that promise you can get a loan even with bad credit. These loans come with exorbitantly high interest rates. If you do decide to go with dealer financing, never leave the dealership without a signed contract. Some dealers will allow you to take ownership of the car before the loan process is completed. Then, a few weeks later you get a phone call saying you didn't qualify for the loan and must accept a different loan with a higher interest rate. This is a scam. The dealer can adequately assess your credit worthiness and approve you for a loan on the spot. If they are not willing to complete the loan process with you, then go elsewhere.
Summary: Be wary of dealer financing. Seek out local banks and credit unions. Avoid predatory lenders. Thoroughly examine all dealer financing paperwork.

INPUT ARTICLE: Article: When you get evicted from an apartment, the eviction appears on your credit report or in a background check. Before you try to rent another apartment, do your best to make things right with the old landlord, and ask whether he or she would consider having the eviction removed from your credit report. It won't be the most fun conversation to have, but it's definitely worth a try. Make sure you've paid the landlord all the money you owed. If there are any outstanding payments, it's not likely the landlord will cooperate. If you were evicted for non-financial reasons, correct the situation however you can. For example, if you damaged property, pay to have it fixed or replaced. If the landlord agrees to have the eviction removed, get his or her consent in writing. In some cases, there will be nothing you can do to make your landlord willing to remove the eviction from your credit report. You certainly don't want to push him or her too far. Don't worry, you'll still be able to find an apartment - it's just going to take more effort. . The next step is to figure out exactly where things stand with your credit. You can get a free credit report annually at AnnualCreditReport.com, which details your credit report with Experian, TransUnion, and Equifax, the three major credit agencies. Check your report to make sure it's accurate. It's possible that inaccurate information could be dragging your credit down. . While you may not be able to drastically improve your credit score before you need to rent an apartment, it's very important to begin making a good faith effort right away. You'll need to be able to show potential landlords that the eviction on your credit report is not an indication of what type of tenant you'll be. Start paying your debts, including credit card debts and anything other debts that appear on your report. If you can't pay them off all at once, you should be able to come up with a payment plan so that you steadily pay them down. Start using cash instead of your credit card. This will keep your credit card debt from getting too inflated. Pay your credit card bill and utility bills on time every month. Missing a bill or two is very damaging to credit, even if you pay double the next month. After paying back rent or other monies owed, follow up by requesting another copy of your credit report to make sure the debt was removed.

SUMMARY: Get square with your old landlord. Obtain your credit report Work on restoring your credit

In one sentence, describe what the following article is about: A psychopath may end a conversation with a statement that opposes what they said at the beginning. Dishonesty and pathological lying is a sign of psychopathy. The person may talk about how disrespectful it is that your coworker always shows up late and does things they are not supposed to, and then moments later the person will break the rules without apology. The contradictions may not occur within the same conversation, so keep track of what is said over time. Log in a journal important information that you think might later be contradicted. Psychopaths talk excessively about the people in their lives because they view them as extensions of themselves. A psychopath will lie about the people in their life; they will even lie about their children. Psychopaths are prone to giving out half-truths or disinformation. They have no problem keeping important information away from you. If the person has told you stories of betrayal or tragedy to explain their damaged family, friend, or romantic relationships, see if you can verify these stories independently. A psychopath refuses to take responsibility for their own actions and will blame others for things they have done. If there is irrefutable evidence that they are at fault, they may then admit it, but will show no remorse. A psychopath will also try very hard to control the narrative by professing an altered version of events, which may be very different from what you experienced. This can cause you to question yourself and is known as "gaslighting." On the other hand, because the psychopath displays a grandiose sense of self-worth, they may brag about or inflate their achievements, or even take credit for the work of others. Notice if they quickly and smoothly change topics when you broach a subject that might reveal their anti-sociality. They may rapidly dismiss discussions of their odd behavior by accusing you of causing too much drama, or by insisting that you are mentally ill and need professional help.
Summary:
Watch for contradictions in speech. Double-check what is said. Take note of scapegoating. Watch for quick changes in conversation.