***TST's Official "Whatever" Thread*** - Page 197 - TriStateTuners.com :: Home of Tristate Auto Enthusiast

Z3R0 · 10-26-2007, 11:44 AM

Quote:

Originally Posted by Kiel

If your parents have awful credit they will most likely not use them as a cosigner. Cosigners need to have good credit to be of any use to you.

When talking about my parents credit...awful is an understatement

where'smyturbo? · 10-26-2007, 11:50 AM

Quote:

Originally Posted by Z3R0

When talking about my parents credit...awful is an understatement

i second that.

awful would be an upgrade.

Kiel · 10-26-2007, 11:51 AM

Quote:

Originally Posted by Z3R0

When talking about my parents credit...awful is an understatement

So here's what you do. Go to myfico.com and order your complete credit profile. FICO scores, credit history, everything. Use this information and apply for a credit card. If you get rejected for the card, apply for a secured card. Build up your own credit. In a few years if you are careful with your money and maintain a good credit history, you'll be able to get a car loan without a cosigner like I did

Kerplunk105 · 10-26-2007, 11:51 AM

My parents have decent credit. It used to be really bad a few years back (like 10).

where'smyturbo? · 10-26-2007, 11:57 AM

credit was the first thing i could start on my own, and be of full responsibility of.

and it is really bad when both of your parents are your major influences, for what you DON'T want to be in life. how you don't want to live your life... and how many things you will do differently. like having 5 daughters betweeen the ages 18 and 26. dummies.

CHAOS · 10-26-2007, 11:58 AM

Quote:

Originally Posted by Kiel

So here's what you do. Go to myfico.com and order your complete credit profile. FICO scores, credit history, everything. Use this information and apply for a credit card. If you get rejected for the card, apply for a secured card. Build up your own credit. In a few years if you are careful with your money and maintain a good credit history, you'll be able to get a car loan without a cosigner like I did

i got approved for a 31,000 loan by myself

Kerplunk105 · 10-26-2007, 11:59 AM

Quote:

Originally Posted by where'smyturbo?

credit was the first thing i could start on my own, and be of full responsibility of.

and it is really bad when both of your parents are your major influences, for what you DON'T want to be in life. how you don't want to live your life... and how many things you will do differently. like having 5 daughters betweeen the ages 18 and 26. dummies.

wow!

Kiel · 10-26-2007, 11:59 AM

Quote:

Originally Posted by CHAOS

i got approved for a 31,000 loan by myself

yep, same thing for my car loan (though since it's not an STi it was like half as much as yours)

Kerplunk105 · 10-26-2007, 12:00 PM

Looking back, I totally should have made monthly payments on my car instead of paying cash...sigh

where'smyturbo? · 10-26-2007, 12:03 PM

for lunch i ordered a small cheese steak pizza... me and susie are splitting it... and i want it to be here. i'm hungry.

CHAOS · 10-26-2007, 12:04 PM

lol and i shouldve put 10k down on my car

Z3R0 · 10-26-2007, 12:05 PM

Quote:

Originally Posted by where'smyturbo?

for lunch i ordered a small cheese steak pizza... me and susie are splitting it... and i want it to be here. i'm hungry.

I read that first and thought something totally different

Kiel · 10-26-2007, 12:08 PM

My original intent was to put like 5k down on my car but my MX6 crapped out too soon so I only put 1k down.

CHAOS · 10-26-2007, 12:12 PM

Quote:

Originally Posted by Kiel

My original intent was to put like 5k down on my car but my MX6 crapped out too soon so I only put 1k down.

i only put 3k down

Kiel · 10-26-2007, 12:19 PM

oof. no wonder your car payments are huge.

CHAOS · 10-26-2007, 12:22 PM

yea, i spent alot of money on stuff... and i have nothing to show for it... after i wrecked the 6 i was free of a car payment and insurance... and was given a car to drive... it was great!

Kiel · 10-26-2007, 12:25 PM

Yeah thats what I've done with my credit cards in the past...ran up a $3k balance with nothing to show for it. Lame.

Z3R0 · 10-26-2007, 12:32 PM

Maybe I'll get lucky and someone will total my car and i'll get money and I will get a replacement. LOL longshot....

Kiel · 10-26-2007, 12:35 PM

Why don't you just work hard, save money, get a credit card or two, maintain good payment history, save up money for a good down payment, and buy yourself a car?

Z3R0 · 10-26-2007, 12:36 PM

Quote:

Originally Posted by Kiel

Why don't you just work hard, save money, get a credit card or two, maintain good payment history, save up money for a good down payment, and buy yourself a car?

That would require me not to spend money

. I think Imma try...hell I get paid enough...its better to buy a car when I have practically no bills anyway.

10-26-2007, 11:51 AM	#3924
Kerplunk105 Tri-State Post Whore Join Date: May 2006 Location: Langhorne, PA Member #1967 My Ride: 2007 Subaru Impreza iTrader: (2)	My parents have decent credit. It used to be really bad a few years back (like 10). __________________ ~Elizabeth~

10-26-2007, 12:00 PM	#3929
Kerplunk105 Tri-State Post Whore Join Date: May 2006 Location: Langhorne, PA Member #1967 My Ride: 2007 Subaru Impreza iTrader: (2)	Looking back, I totally should have made monthly payments on my car instead of paying cash...sigh __________________ ~Elizabeth~

10-26-2007, 12:03 PM	#3930
where'smyturbo? Tri-State Addict Join Date: Sep 2007 Location: Seattle, WA/Langhorne, PA Member #5694 My Ride: '99.5 Jetta VR6 iTrader: (1)	for lunch i ordered a small cheese steak pizza... me and susie are splitting it... and i want it to be here. i'm hungry. Last edited by where'smyturbo?; 10-26-2007 at 12:04 PM. Reason: ;p

10-26-2007, 12:08 PM	#3933
Kiel Tri-State Aficionado Join Date: Aug 2007 Location: Morton, PA Member #5456 My Ride: 2003 WRX - Sonic Yellow iTrader: (0)	My original intent was to put like 5k down on my car but my MX6 crapped out too soon so I only put 1k down. __________________ TST Work Crew/Saturday Club To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

10-26-2007, 12:19 PM	#3935
Kiel Tri-State Aficionado Join Date: Aug 2007 Location: Morton, PA Member #5456 My Ride: 2003 WRX - Sonic Yellow iTrader: (0)	oof. no wonder your car payments are huge. __________________ TST Work Crew/Saturday Club To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

10-26-2007, 11:57 AM	#3925
where'smyturbo? Tri-State Addict Join Date: Sep 2007 Location: Seattle, WA/Langhorne, PA Member #5694 My Ride: '99.5 Jetta VR6 iTrader: (1)	credit was the first thing i could start on my own, and be of full responsibility of. and it is really bad when both of your parents are your major influences, for what you DON'T want to be in life. how you don't want to live your life... and how many things you will do differently. like having 5 daughters betweeen the ages 18 and 26. dummies.

10-26-2007, 12:04 PM	#3931
CHAOS TST Ruined My Life! Banned Join Date: Jun 2006 Member #2120 My Ride: 1984 Cadillac Brougham iTrader: (1)	lol and i shouldve put 10k down on my car

10-26-2007, 12:22 PM	#3936
CHAOS TST Ruined My Life! Banned Join Date: Jun 2006 Member #2120 My Ride: 1984 Cadillac Brougham iTrader: (1)	yea, i spent alot of money on stuff... and i have nothing to show for it... after i wrecked the 6 i was free of a car payment and insurance... and was given a car to drive... it was great!

10-26-2007, 12:25 PM	#3937
Kiel Tri-State Aficionado Join Date: Aug 2007 Location: Morton, PA Member #5456 My Ride: 2003 WRX - Sonic Yellow iTrader: (0)	Yeah thats what I've done with my credit cards in the past...ran up a $3k balance with nothing to show for it. Lame. __________________ TST Work Crew/Saturday Club To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

10-26-2007, 12:35 PM	#3939
Kiel Tri-State Aficionado Join Date: Aug 2007 Location: Morton, PA Member #5456 My Ride: 2003 WRX - Sonic Yellow iTrader: (0)	Why don't you just work hard, save money, get a credit card or two, maintain good payment history, save up money for a good down payment, and buy yourself a car? __________________ TST Work Crew/Saturday Club To view links or images in signatures your post count must be 10 or greater. You currently have 0 signatures.

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