New lenders aren”t going to want to offer you lines of credit or financing for purchases, and will instead try to make you pay up front for everything that you buy. Work with them, and not the crooks.About the Author John R Blakefield is a mortgage and real estate specialist. Follow your credit card bank”s procedure for disputing bogus charges. However, recent indicators show that that confidence is falling, making the last quarter of 2005 the time to purchase a new vehicle, before the beginning of a new year and a very uncertain future.