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re: How can I raise my credit?
Posted on 9/8/26 at 11:22 am to WDE24
Posted on 9/8/26 at 11:22 am to WDE24
You're missing that he's worried that if his normal vehicle goes down, he's without transportation and feels his credit rating won't allow him to get a replacement.
He's making plenty of money to buy a decent $8k reliable beater. Who cares about depreciating that?
No transportation = many, many more problems.
He's making plenty of money to buy a decent $8k reliable beater. Who cares about depreciating that?
No transportation = many, many more problems.
Posted on 9/8/26 at 1:06 pm to KCRoyalBlue
quote:Then he can buy it if he ever needs to. Seems dumb to buy it as an insurance policy for something that may never happen or may happen after that $8,000 beater becomes a $2,000 beater.
He's making plenty of money to buy a decent $8k reliable beater.
Posted on 9/8/26 at 1:19 pm to Tiger Prawn
quote:
that were the case, there would be no Nissan Altimas on the road. Ever
Tbf, those people are paying 10+% interest rates on 84 month loans. They’re like lottery wins for dealerships
Posted on 9/8/26 at 1:24 pm to KCRoyalBlue
quote:
Mid-600s credit rating isn't bad necessarily. And as someone said above, if you already have your mortgage, I wouldn't even sweat your rating. Live life.
Now, as for a vehicle, GET A SPARE. Pay cash.
But, do your research first. Look for something reliable that you would enjoy driving. Once, you find out what THAT is, don't buy it. Investigate that make and model thoroughly. Google that model's recalls, TSBs (Tech Service Bulletins), and Campaigns. Find out what are the common failures.
Then, if you're still interested, be prepared to fix any of the above when you purchase. Once you do purchase, take it to the best area dealer for that manufacturer, and request the pickiest, most experienced, and anal tech they have. Ask for a list of repairs in order of necessity. Then have them repair as you can afford it using THAT tech. Techs begin to remember your vehicle and they will honestly appreciate that you're willing to take care of it and trust them to do so. This DOES work. Oh yea, and be nice to their Parts Department. Ask me why.
Once you have a dead reliable spare vehicle with a mortgage, just forget about credit rating and live life responsibly.
Serious question, are you retarded.
I mean, this is some of the dumbest stuff I’ve ever read
Posted on 9/8/26 at 6:57 pm to Poboy1911
Credit Karma now owned by Intuit is the business of steering you to cards, loans and mortgages that gets them fees. That admitted, they do a good job of credit monitoring and debt reduction. It's free, try them or similar services.
Posted on 9/8/26 at 10:23 pm to WDE24
You sound like someone who's never had a job with a strict attendance policy and suddenly lost transportation.
But, live on the edge. Carry on.
But, live on the edge. Carry on.
Posted on 9/8/26 at 10:24 pm to Mingo Was His NameO
You sound like a "no one".
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