Auto Financing???

[BurnTire]

I wonder how long/hard that will take me...Well I have a credit card I just paid off (even though it was written off) will show up as paid in full, not sure how much that will effect my score...any advice/tips on how to get my credit that high? Alls on there is 4 years of my car payment, a zales card (which is open and always paid on time) and that wells fargo card I just paid off

What is on your credit report? Have you been late on something before?

Good reading

http://www.bankrate.com/finance/cred...t-score-1.aspx

[Chris]

First Credit union.check em out they worked for me when i had hardly any credit.I bought a 93 LX 5.0..Man i miss that car!

[OH3MGSVT]

First Credit union.check em out they worked for me when i had hardly any credit.I bought a 93 LX 5.0..Man i miss that car!

Actually I did check them out, if I can get a loan from anyone it will be from them, but it wont be for 26k, only 23k since thats what the wholesale value of the vette is. But If I do it might be a 3 year loan depending on which bracket I fall into via my credit score in which case payments would be to high for me. But they are my last hope but even then I need to somehow come up with another 3k on top of the 2500 I was gonna put down on it so I doubt I can come up with that kinda dough....but we will see what happens

[wickedcobra]

That 750+ comes with years of perfect credit.

[BurnTire]

That 750+ comes with years of perfect credit.

Yep and it gets the best rate. I have been 800+ for a long time.

[Rev'n Kevin]

"You don't always get what you want, but if you try sometimes, you may just find, you get what you need" Mick Jagger

Ask yourself "Do I REALLY need that vette or do I just WANT it?" And "Do I really WANT to go $26k in debt or do I just NEED to pay off the $9k debt I'm in."

My advice, be happy with what you got, as so many around you are losing everything they have, that vette is probably sitting on that car lot because someone lost their job or could no longer afford the payments, maintenance, insurance and gas for it, jmo.

[BLK03SVT]

"You don't always get what you want, but if you try sometimes, you may just find, you get what you need" Mick Jagger

Ask yourself "Do I REALLY need that vette or do I just WANT it?" And "Do I really WANT to go $26k in debt or do I just NEED to pay off the $9k debt I'm in."

My advice, be happy with what you got, as so many around you are losing everything they have, that vette is probably sitting on that car lot because someone lost their job or could no longer afford the payments, maintenance, insurance and gas for it, jmo.

Couldn't have been said better. Judging by the nubers Alex, it's my opinion that you should just get that 9k paid down. Rolling negative equity into a depreciating asset like a car can snowball on you quick. Pay the stang off, own it outright, and go into the vette loan with some $ down, not to mention you can work on your credit score in the meantime!

BESIDES...A VETTE??? jk!

[OH3MGSVT]

What is on your credit report? Have you been late on something before?

Good reading

http://www.bankrate.com/finance/cred...t-score-1.aspx

I have a year of my car payment from when I first got financed for my car which shows that it was never late and paid off when I refinanced through az fed.

I have my loan through Az fed that I was late on 3 times back in 07 but thats it, been on time ever since then.

I have a zales card that ive bought a couple things on and paid them right off so it shows that I have no late payment.

Only bad thing was my Wells Fargo card that I had a couple years ago that eventually got written off, went to collections and I just now paid it off so it should say Paid in full when its reported to the bureau. Other than those thats all thats on my credit.

[BurnTire]

I have a year of my car payment from when I first got financed for my car which shows that it was never late and paid off when I refinanced through az fed.

I have my loan through Az fed that I was late on 3 times back in 07 but thats it, been on time ever since then.

I have a zales card that ive bought a couple things on and paid them right off so it shows that I have no late payment.

Only bad thing was my Wells Fargo card that I had a couple years ago that eventually got written off, went to collections and I just now paid it off so it should say Paid in full when its reported to the bureau. Other than those thats all thats on my credit.

Well plain and simple it is going to take time to improve your score. If you did get a loan now it would be at a higher rate which costs you and in the long run.