Ask Ms. Ed

The road to getting approved for an auto loan usually starts with lots of questions, mainly because everyone's circumstances are a bit different. For over 20 years, Colleen Murphy, the Director of Special Finance for the Mr. Ed Department, has been providing answers to the most difficult of credit situations. With over 100,000 auto loan approvals under her belt, it's no wonder we call her “Ms. Ed.” If you have a question for Ms. Ed, fill out the form and Colleen and her staff will start working on finding an answer. You should expect a response to your inquiry within 24hrs, but feel free to call us at 480-813-5555 for faster service.

Bad Credit Auto Financing Advice with Ms. Ed ~Episode 3 (Credit Problems)

10 Ways to Improve Your Credit Score

Ten Best Ways to Improve Your Credit Score

If you feel like you are alone in the battle with a poor credit score, well the truth is you are not alone. There are more people more than ever before who are facing the dreaded bad credit score which isn’t allowing them to receive the loans and interest rates they want. The problem isn’t necessarily your credit score, it is the fact you aren’t being proactive to actually improve your credit score. Yes you can continue to make payments on time or pay off a past due balance which is comprised of roughly 35% of your credit history and overall scoring, but to really get your credit score back on track, you should make some additional actions. Such as:

Get a Copy of your Credit Report Annually

You can actually receive one free copy of your credit report each year from places like Annual Credit Report. From here you can start to do both of the following: First off you want to try to negotiate with creditors, because you will be surprised how willing they are able to work with you if you are having trouble making full or on-time payments. Or if you are looking to negate old 30-day, 60-day and even 90-day past due reports, if you can prove to the creditor that you are able to make payments on time, in some cases they are willing to remove those past due actions on your report. Second step, if the creditors aren’t willing to work with you and you are certain their are errors on your report, dispute credit report errors in hopes they will be removed, thus improving your credit score.

Seek Counsel and Remain Patient with Poor Credit

If you are still having trouble managing payments on time, or the full amount, if you feel like you are losing your mind, the best thing to do is remain patient, and to seek professional counseling with a consumer credit counselor. If you are someone worrying about your inability to purchase a new vehicle with an approved auto loan, then you should seek the help of Ask Ms. Ed


Improve your Credit Score

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Bad Credit Auto Financing Advice with Ms. Ed ~Episode 2 (Divorce)

Ask Ms. Ed – Bad Credit Auto Financing Advice Episode 1 (Bankruptcies)

Totalled Truck With A Balance ~Ask Ms. Ed

Dear Ms Ed:

My truck was totaled and the insurance company is paying off most of the loan but I will still owe a few thousand when it is completely settled. I need a truck now but I was told by another dealer that since my credit is not perfect, I will have to wait until I pay off the entire balance before I can qualify for another loan. I am in a rental but I have to return it at the end of the week and have no way to get to work. Can the Mr Ed Department help me even though another dealer told me I have to wait?

“Total”ly Troubled

Dear Troubled:

YES! The Mr Ed Department can help you. While some lenders require a your loan to be paid in full, many do not, and choosing a dealership who knows where to place your loan can make the difference between you driving or walking to work. You “totally” went to the wrong dealer! Let me go to work for you – call my Loan Approval Center at 800 217-MRED (6733) or logon to and we will get you approved TODAY! We may even be able to finance the payoff on your old truck in the new loan. Put an end to your troubles and contact me now!

Underwater On Mortgage? -Ask Ms. Ed!

Dear Ms. Ed:

My wife and I bought our house in Phoenix at the peak of the housing market. Our
$180,000 house is now worth $ 65,000. We decided to do a short sale on the house. We have a buyer but it has been 5 months and we are still waiting for the sale to go through. Last week, our car was stolen and we need a car. Can you get us financing with a short sale in process?

Underwater and Out of Options

Dear Underwater:

ABSOLUTELY! You are not alone – tens of thousands of people in Arizona have found themselves in the same terrible position you and your wife are in and Mr Ed can help you! We will get you a loan which will help you rebuild your credit at the same time! Contact my Mr Ed Loan Approval Center today by calling 800 217-6733 or login to – it is fast, easy and completely private.

Come see me!


Ask Ms. Ed Your Credit Questions

Dear Ms Ed:

My credit is a mess! Two years ago, I co-signed on a truck for my boyfriend. Two months later, he had a new pick-up and a new girlfriend! He was late on every payment and I got collection calls nearly every month. I finally told the Bank to repossess it because there was no way I could make his payment and my car payment too. They repossessed the truck last year December.

My car loan is almost paid off and I am ready for a newer car because it has almost 120,000 miles on it. Little things are starting to go wrong with it so I think it is time to trade it in BUT there’s my repo problem! I am really stressed out about my situation. Can the Mr Ed Department help me to get a loan?

Miss Mess in Mesa

Dear MMM:

Not only can the Mr Ed Department get you a loan, we can probably do it using your trade-in only with little or no cash down – and at an interest rate that you will love, with a payment you can afford. Most dealerships send your application through a computer and never have contact with the Bank. In the Mr Ed Department, we still handle our business in a personal way and have strong relationships with the Banks who are making the loan. We call and actually speak to the person making the decisions and explain what happened to cause your credit problem and outline the reasons why you are a good credit risk. This personal relationship with our lenders allows us to help a lot of great people get financing-we really do work for you! So give me a call at 800 217-6733 or login to and do a quick approval. You will have your results in minutes and will know that you are approved before you come in to the dealership…and that will take the stress out of your situation!

PS: We’ll make sure that your trunk is big enough to stuff your ex-boyfriend in it!

Come see me!

Ask Ms. Ed: What If My Car Was Repossessed?

Dear Ms. Ed,

I had my last car repossessed because I lost my job. I finally found a reliable new job and now I need some wheels. It’s a night shift job and there are no buses available so I’ve been taking a long walk to work every night. Can you help me?

Signed, Pounding the pavement in Peoria


Dear Pounding the Pavement,

Help is on the way! Call my mr. ed department, toll free at 1800217MRED (6733) or log on to and fill out your application online. It’s fast, free and it’s confidential. We have many lenders that will finance people that have had repossessions. Especially one like yours that was directly due to the economic situation. We’ll get you off of your feet and riding in style in no time! Put away your walking shoes and call Mr. Ed today.

Signed, Ms. Ed.

Ask Ms. Ed – Help! Foreclosure!

Dear Ms. Ed,
We lost our home due to a foreclosure. Now our old car is acting up and our bank said, “Sorry! We can’t help you because of a foreclosure ” We are in trouble! Help! Was homeless and now am nearly wheelless.
-Homeless & Wheelless
Dear H&W,
Your luck is about to change. In my Mr. Ed department, located in the valley-wide Earnhardt Auto Center stores, we have many banks and lenders that don’t care about foreclosures. Sadly, so many good people like you have lost their homes and we’ve helped many of them get a great new vehicle and get their credit going in the right direction again.
My team will work hard for you. We’re here and we’re free! It doesn’ t cost you a penny to apply online or over the phone. And my staff will answer all of your questions before you even come down to one of our locations.  I have many lendors that understand, and I understand too. I’ve had big credit problems in the past and that’s where my Mr. Ed Department will help you put your credit problems — in the past!
So don’t delay – call or log on today.
Ms. Ed