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How can I build some credit?
    #7763409 -

i've decided that im going to buy a newer used car and just make payments.  but im going to pay a huge down payment so that i can pay it off faster.  the only problem is that i have no credit.

what's it like signing up for a credit card?  is that the best way to build up credit?  how long do you all think it would take for me to get the bank to lend me $10,000?

:confused:


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http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

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Re: How can I build some credit? [Re: LayYouIn]
    #7763433 -

after you make a few payments theyll raise your maximum if you want. I just have a 500 max. dont get any card with an apr over 8% to thats just like rape. Never miss a payment or go over cause then its actually rape.


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He did not laugh as his eyes stopped in awareness of the earth around him. His face was like a law of nature-a thing one could not question, alter or implore. It had high cheekbones over gaunt, hollow cheeks; gray eyes, cold and steady; a contemptuous mouth, shut tight, the mouth of an executioner or a saint.

If you wake up at a different time in a different place, can you wake up a different person?

Cf. A.C. Doyle "I'll rise above this, you can't keep me down, for I am Divine, and I know it all too well."

Edited by Overclock22 (12/15/07 09:15 PM)

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Re: How can I build some credit? [Re: LayYouIn]
    #7763455 -

getting a credit card is the best way to get into debt.


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If it weren't for the bloody corpses, I wouldn't have any corpses at all.

There are two ways to get to the top of an oak tree: start climbing or sit on an acorn.

Are you a carrot, an egg, or a coffee bean?

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Re: How can I build some credit? [Re: MrBump]
    #7763460 -

thecornking said:
getting a credit card is the best way to get into debt.


i strongly agree with this


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He did not laugh as his eyes stopped in awareness of the earth around him. His face was like a law of nature-a thing one could not question, alter or implore. It had high cheekbones over gaunt, hollow cheeks; gray eyes, cold and steady; a contemptuous mouth, shut tight, the mouth of an executioner or a saint.

If you wake up at a different time in a different place, can you wake up a different person?

Cf. A.C. Doyle "I'll rise above this, you can't keep me down, for I am Divine, and I know it all too well."

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Re: How can I build some credit? [Re: MrBump]
    #7763480 -

how can i get the bank to lend me $10,000?

i've only been at my current job for 2 months. i have a clean criminal record.


--------------------
http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

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Re: How can I build some credit? [Re: LayYouIn]
    #7763510 -

get a title loan.


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Man is timid and apologetic; he is no longer upright; he dares not say "I think," "I am," but quotes some saint or sage. He is ashamed before the blade of grass or the blowing rose.Man postpones or remembers; he does not live in the present, but with reverted eye laments the past, or, heedless of the riches that surround him, stands on tiptoe to foresee the future. He cannot be happy and strong until he too lives with nature in the present, above time
TRANSCEND


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Re: How can I build some credit? [Re: MrBump]
    #7763513 -

thecornking said:
getting a credit card is the best way to get into debt.


Only if you're retarded with money. Pay off your full bill each month and not just the monthly minimum and you'll be fine.


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Re: How can I build some credit? [Re: Silversoul]
    #7763528 -

Silversoul said:
thecornking said:
getting a credit card is the best way to get into debt.


Only if you're retarded with money.


and im not. im pretty good with my money and i always have been.

should i go in and get like a $1000 loan and pay it off in like a month or something?


--------------------
http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

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Re: How can I build some credit? [Re: LayYouIn]
    #7763529 -

My credit history began with a car. I'd never had a credit card or any other line of credit and I only had a checking account for a while which was used to write rent checks only. But a car dealer still gave me a loan for a car.

Now my credit score is in the 800 range. I can get pretty much anything I want.

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Re: How can I build some credit? [Re: ToTheSummit]
    #7763538 -

how much did they loan to you for the car? you had no credit before that?


--------------------
http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

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Re: How can I build some credit? [Re: LayYouIn]
    #7763542 -

Dude you go in there with cash, you'll get whatever you want regardless of credit. They advertise at most used car places about their "no credit is ok" bs, hold them to it. Defiantly do your research about the vehicles your going out to buy, never buy from the first dealer, and compare everythingfor the dealer to get a lower price.

But honestly if you take a few grand in cash into one of those places, they'll defiantly work with you.



To build credit, heres a general rule you should always go buy. As backwards as it might sound its the truth. This is how I started to build credit, My score is in the low 700's.

When starting with a credit card you never want to pay your total balance in one payment! Always keep a running balance!

They don't want you to pay off your bill in 1 check, early. They make no money. They want you to pay your bill, plus their interest, early. They make money for doing absolutely nothing. This is ideal for them, which is why this is the best way to build credit.


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"Ours is a world of nuclear giants and ethical infants. We know more about war that we know about peace, more about killing that we know about living."

General Omar N. Bradley

Edited by 2FiNiTe (12/15/07 09:38 PM)

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Re: How can I build some credit? [Re: LayYouIn]
    #7763544 -

LayYouIn said:
how much did they loan to you for the car? you had no credit before that?


It was just under 10K I think. But this was nearly 2 decades ago. And no, I had no credit before that.

edit- To be fair, I had to go to several dealers before I found one that would lend me money without a co-signer. But I got it done.


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You invented the wheel....You push the motherfucker!!

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Re: How can I build some credit? [Re: LayYouIn]
    #7763570 -

so how much do you guys think that i could buy a marked $10,000 car for if i paid all in cash? if i haggled a bit.


--------------------
http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

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Re: How can I build some credit? [Re: LayYouIn]
    #7763600 -

If you pay cash, I'd say you should at least be able to pull off $8,000. If they go higher than 8,500 walk out the door, and I'd bet 100 bucks they stop you before you get out the door.


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"Ours is a world of nuclear giants and ethical infants. We know more about war that we know about peace, more about killing that we know about living."

General Omar N. Bradley

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Re: How can I build some credit? [Re: LayYouIn]
    #7763621 -

LayYouIn said:
Silversoul said:
thecornking said:
getting a credit card is the best way to get into debt.


Only if you're retarded with money.


and im not. im pretty good with my money and i always have been.

should i go in and get like a $1000 loan and pay it off in like a month or something?


dude, no.

getting a small loan ($1000) and paying it off in one month will do nothing to improve your credit score. your credit score will improve by getting a loan and paying it off over the course of however long the loan is structured. $1000 loan paid of in 12 months, or whatever. you can pay it off a little early if your state doesnt allow lending institutions to charge you some sort of penalty for paying off the loan early. (my state doesnt) but, really the bank isnt making a lot off of you with $1000 loan anyways, and proving that you can pay off the debt on time will boost your score.

go to a car dealership with inhouse financing, they will bend over backwards to make sure you can buy a car from them.

for the record, i only have one credit card and i rarely need to use it. but, in general, many people cant handle having a credit card.


--------------------
If it weren't for the bloody corpses, I wouldn't have any corpses at all.

There are two ways to get to the top of an oak tree: start climbing or sit on an acorn.

Are you a carrot, an egg, or a coffee bean?

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Re: How can I build some credit? [Re: 2FiNiTe]
    #7763623 -

$8000 is so much though...i guess i could ask for more hours at one of my jobs...


--------------------
http://www.doctorfungus.org

http://www.mushroomexpert.com/

http://www.textbookofbacteriology.net

http://bugs.bio.usyd.edu.au/learning/resources/Mycology/index.html

Extras: Filter Print Post Top
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