Tales From The Dealership: Positive Story Edition!

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>>14054212

oh lpg, how long i've missed your stories

Into this

>>14054212
On scale of 1 to Uncle Steve, how many colorful shirts do you own?

Why do you always make these 5 minutes before I have to go to work, LPG?

>>14054212
>he gives me a small laugh and then throws in "but I think this might be the one"
>finish test drive, get back to dealership, guy gets out and walks around truck one more time
>stick a fork in it, this old guy is done, head over heels in love with this truck
>laugh and ask him if he likes it
>gives me a soul warming smile and says he would love to take it home, but doesn't know if he can afford it
>says he has a large amount of money to put down, but never really uses credit, and can't afford more than 250 a month
>tell him we will go inside and sit down, see what we can do for him
>put together his credit application, and send it out, wait to see what happens
>get call from one of the lenders
>Please_let_it_be_good_news.jpg
>lender needs to ask him some questions to confirm his ID since he uses credit so little
>he answers the questions, bank says they will get back to us in a few minutes
>still worried he is going to get kicked to a Tier III or Tier IV lender because of dusty credit history
>after a loooong ass 10 minutes, get answer back form the bank
>if he can put 18,000 down, they will approve him at 1.9%, monthly payment is 250.48
>turn to him with worried look, ask him how do-able 18K down would be for him
>guy has literal diamond like glitter in his eye
>says he has the money, will take him a while to get it, pulls out his wallet. Counts out 1000 dollars on my desk and asks if I will hold the car
>agree to hold the car for him, he says he will be back in a few hours with the down payment, wants to take the truck home that day
>go throw a sold sign in the truck, was going to go home, but I go grab a bite to eat and hang around for guy to come back with his down payment

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I'm in early, fuck yes.

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>>14054265
Absolutely nobody cares

>>14054263
>right on schedule, old guy rolls back up in his 75, walks in holding 4 plastic bags
>each plastic bag if full of cash
>laugh and ask guy about down payment
>says he and the wife had a rainy day fund they had been saving in for years
>before his wife died, she told him to spend it on a nice car for himself, because she knew it was his dream
>tells me he had thought about getting an SS Camaro, but 'he didn't want to make his Corvette jealous'
>we go back to the business office, and count out all the cash, sure enough, guy has 18K
>smiles again and tells me didn't even have to drain the whole fund, so god knows how much cash this old man had stashed away
>get it all sorted out, guy signs paperwork, we go out to his new truck
>guy shows me his 75' vette
>it looks showroom new, not a scratch, not a scuff, not a thing out of place
>guy asks me if I can ride up with him to U-haul place, and I agree
>we get a car hauler, and I help him load the vette on the back and get him hooked up so he can take both his cars home
>guy gets misty eyed, tells me he wishes his wife could see the truck
>he drops me back off at dealership, and watch him drive off
>felt good helping an old guy find love again

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>>14054300
seriously, good for him

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>>14054300
You are goodman

Now tell is one where you screw a person that deserved it.

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>>14054300
Manly tears nigga

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>>14054278
I care. Get fucked :)

going to guess at next story
>faggot shows up in 50 year old toyota
>literally and engine attached to a frame rest is rusted away
>credit score of -26
>expects to get full msrp of car from 1965 adjusted for inflation
>expects to get $100 payment and talk car down by 90% of its sticker price
>lpg actually dies from laughter at faggot

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You're doing the lord's work, LPG

>>14054370
that happens like twice a day, isn't even story worthy most of the time

I actually have another positive story coming

>>14054383
how many more stories after that?

>>14054212
>>14054263
>>14054300

Yay!

A good heartwarming greentext story just in time for the holidays!

So how have things been with you LPG?

>>14054383
wow thats horrible. how do you not commit sudoku on a daily basis?

>>14054386
hopefully enough to get me through the evening ;_;

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>>14054212
Mr lpg, a bit unrelated but going to check this car out to replace my current Daily driver so I don't really need it just want it if I can get it at right price. 14k is way too much for such car, with a downpayment of about 4k could I get em down to about 10 maybe?


http://www.stevenscreeksubaru.com/used/Subaru/2003-Subaru-Impreza-san-jose-f76add660a0e0a6b431b22b27514321e.htm?searchDepth=4:4

>>14054300
>inb4 fucking boomers etc.
Best dealership story I've ever read.

>>14054386
I just have 2 tonight, after that, it's ask a used car salesman anything, as always

>>14054388
Not bad, not bad at all. Got myself a nice /o/ related gift on black friday.

>>14054391
You get good at screaming/laughing inside your own head

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>>14054300
>>guy gets misty eyed, tells me he wishes his wife could see the truck

My wife and I have been tearing down a '99 Miata to feed to our '92 (the car that got her into cars). She has learned a lot through the whole process, and we are really into it really deep at the moment. She's 5 months pregnant right now, so she can't get into it as much right now, but is certainly getting involved in every way she can.

Some day, if I pulled off a seriously cool project, it would be pretty devastating if I were unable to experience it with her.

I wish his wife could've seen the truck, too.

>>14054443
>there are dads on 4chan

>>14054420
>75
>Boomer
The full title of that generation is "Post-war baby boom generation." He would be a member of the Silent Generation.

>>14054449
there are even grandpas

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>>14054212
>>14054263
>>14054300

>>14054416
>inb4 boy racer car you pay what they ask

>>14054449
>>14054466
meh normies are fine as long as
1) theyre not shitwhore tripfags (good tripfags like lpg are ok)
2) not trying to normie up /b/ and /pol/ and the like

So story number 2:

>ancient ass Ford Taurus pulls up, paint is busted, car is smoking, has all the symptoms of being beyond it's last leg
>has lift on back for wheel chair
>very old lady and middle aged lady get out of the car
>I walk out to talk to them, and see what the situation is
>in summary, the very old lady drives the Taurus, but it's beyond ready to fall apart
>very old lady needs to get a new car, middle aged lady is her daughter, in from out of town, helping her try and find a car
>very old lady has severe arthritis in her hand, really needs to find a car with a column shifter as she can't really deal with console shifter
>likes ford, is sentimentally attached to her taurus, would like to find another ford, needs something she can put her wheel chair lift on the back of
>as luck would have it, (and I am sure /o/ would approve) I have a very low mileage 08 Crown Vic I take her too
>old lady loves it
>middle aged daughter loves it
>old lady actually test drives it and loves how it drives, has no problem driving it
>now, of course comes the bad news
>old lady had no credit
>daughter is willing to co-sign but also has shit credit
>to make it even more of a great story, old lady has another daughter who lives in Georgia, who is filthy rich, that could buy the old lady a car outright, but refuses too
>tell them I will do my best, go in to see what we can do for the trade, and what we can do finance wise

>>14054477
I'm thinking that will be the case but the fucker looks clean, not worth 14k with over 100k miles for non STI

>>14054484
wanna know how i know you've been here for less than a few years

>>14054496
because youre making an uneducated guess?

>>14054497
because people who have been here for a few years don't use "normie", or care at all about /b/ and /pol/

>>14054449
He will actually be my second.
>>14054484
Does normie mean actually doing shit to my cars? I don't see as much of that as one might expect from an auto board.

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>>14054300
that is heartwarming as fuck, god damn

LPG, I thought car salesmen had to bargain, but it sounds like you never bargain?
In all your stories you just send credit apps out and communicate what comes back, but you never talk about haggling with your customers.

>>14054510
k.
>>14054516
you probably havent been here long. there are 6 people on /o/ who actually own cars, and only 2 of them arent too dirt poor to work on them. the rest are benchracers and ford shills. and alphonse.

>>14054443
>She's 5 months pregnant right now,
please tell me you're satisfying her sexual needs.
every soon to be dad i see gets all grossed out about the prospect about sex with their pregnant wife, when in reality it's totally fine and she's horny 24/7
give her the D it is your duty sir

>>14054516
This isn't an auto board, this is a corvette/gtr debate forum.
This thread is off-topic and does not have the requisite number of smug anime pictures.

>>14054466
>30 years from now
>through some ungodly set of circumstances, 4chan is still alive
>young kids moved on long ago to other imageboards on Internet 4.0, 4chan is now used almost exclusively by people over 35
>old men complain all day about how the 2000s and 2010s were the best years of their lives, how modern culture has turned to shit, and how they are still loyal to the Japanese even though the Chinese and Koreans surpassed them a generation ago and Japan is now a decaying land of old people supported by robots built in the new Industrial Power of North Korea
>every friday, they post the old dragon dildos that are somehow still intact 30 years after they bought it for shits and giggles one day on amazon
>every saturday, they hold viewing parties of the old animes to relive the golden age of japanese animation, long since passed
>sunday is top gear day, where the old anons watch and remember the glory days of richard hammond, jeremy clarkson and james may, all 3 of whom died years ago, and their best days together on the 2003-2015 Top Gear

leave now, if you think 4chan is bad now it will become a decaying hell in the future

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>>14054533
>falling for the meme

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>>14054527
I was actually around when my wife (then girlfriend) and I were still in highscool, when we first found out she was pregnant with our first child 7 years ago. I don't think that entitles me to any privilege, however. Neither should you.

Some may actually recall my old Civic. I actually still have this one, and it still runs great. I love posting this pic.

>>14054485
>go out to look at Taurus
>it's a 97, had more than 200K on it
>all warning lights are on, thing barely starts, looks like it is leaking every single fluid, transmission will barely engaged second gear
>welp_this_is_worth_100_dollars.tiff
>with no help coming from the trade in, I go in and put together the credit application and see how bad the situation is
>Tier III lender returns an offer, 22% APR, wants 1500 down, down payment is more than they can make
>however, one of our Tier II lenders (motherfucking Wells Fargo), chews on the application for 25 minutes and sends back a halfway decent offer
>WF offers 8%, with 750 dollars down, with a payment very old lady can make
>only problem is, they have no money to put down
>daughter could maybe throw in 100, old lady could maybe do 100, but they are at the very least 500 dollars short
>which brings us back to the trade
>really want this lady to be able to get a decent car for me, otherwise, her next stop is going to be a buy here, pay here
>making this much of a leap is above my pay grade, so I take the deal to my favorite sales manager, and see how much I can lobby for them
>ask him to overextend on the trade, I already got them to agree on a price that leaves us with 2 grand of margin, we can afford to take a loss on the trade
>tell him it's x-mas, and does he want to send a nice old lady to a BH-PH over the trade
>work him for a solid 30 minutes till he agrees to offer 750 for the trade so they can make the down payment
>go back and let them know I got it worked out for them
>old lady has a bit of a cry in my office, daughter is beyond relieved
>we ended up getting 200 for that POS taurus at auction, boss was pissed we gave so much for
>don't care because I saved nice old lady from the shark tank of BH-PH lots a block over

>>14054535
;_;

>>14054535
>leaving 4chan
We're all going to burn together

>>14054510
I've been here longer than you have you normie fuck reeeee

>tfw I have a 98 Sable
>tfw the brake lines just went bad yesterday and now I have no brakes
>tfw the struts and wheel bearings are bad too
>tfw two tires are bad
>tfw I went to a "dealership" which specializes in helping people with no credit or bad credit (I have none)
>tfw even they couldn't help me because I only have a part-time job

Well fuck me in the anus. I have no clue what to do guise.

>>14054532
Dude my dick fucking hurts right now. She's way overcharged, and honestly the pregnancy thing never bothered me. That being said, I will be relieved when she is back to normal.

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>>14054542
I like it

>>14054535
>leave 4chan
We're here forever.

>>14054551
like before 2006? fucking normalfag

>>14054485
If you had to guess, what % of people you've dealt with have bad credit?

>>14054416
>Impreza
>In California
>negotiating on boy racer car

doubtful, unless they have been sitting on the car a loooong time

>>14054523
I do bargain. We talk over and agree on a price before I send out the application. The negotiation is rarely the dramatic/interesting part. I am very aggressive with my offers, because I am only part time, I gotta make the most of all my deals

>>14054561
the majority. At least 60-75%

>>14054542
I want to give it 600hp so bad
Just roll around all day and fuck with people

>>14054552
-get a full time job

-get a secure line of credit to start building your credit score.

-join a credit union

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>>14054557
Thanks man. Here's a pic from a few weeks ago. It's been a real soldier.

>>14054572
I already have a credit union account, I've had one for 11 months now actually. As far as the job goes, I won't be able to move up to a full-time job with my current employer anytime soon and it doesn't seem like many places near me are hiring full-time. Do you think my credit union would be more lenient about giving me even like a $2,000 loan? I will probably try to get a credit card next payday.

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>>14054547
>dem Christmas car feels

>>14054535
>I will outlive Clarkson, Hammond, and May
>I will never live as much as them in a decade as they do in the making of a season of their show
>might as well shitpost

>>14054575
Needs another layer or 2 of clear broseph

Also, why? Should've kept it all shit, you could park anywhere at any time without worry

>>14054552
Replace brake lines and tyres, sell it to an idiot for a couple hundred
Save up a couple hundred
Buy a slightly less shit shitbox
Save up and find a full time
Buy Aventador

>>14054588
Oh, theres no clear. It's red rustoleum I sprayed on with a house paint sprayer.

I was uhh.. less than opulent at the time.

>>14054535
that sounds comfy desu

>>14054547
i wonder how long until BH-PH becomes illegal or just heavily regulated? that's blatant predatory lending

>>14054585
It's all about looking at your debt to income man. At that low amount, you would probably have to take it out as a personal loan

>>14054596
Considering we haven't done anything with payday lenders, I don't hold out much hope for Buy Here, Pay Here going away any time soon

Car loans are going to be the next bubble to pop. you heard it here first

>Black man, age 25
>full time job for 5 months
>560 credit score due to paying off credit card and delinquent on my student loans
>Almost have 1000 bucks for a down payment in cash.
>Shitty ass 1997 Dodge Intrepid that has no brakes or power steering. Slightly Beat up and shitty tires. Missing left turn signal on the front due to winter storm and never got into replacing.
>Member of Credit Union
>Currently no credit card but considering getting one once the year turns over.

I'm trying to find a car under 70k and new than 2005...

What is the best rate I can get for financing a car?

Also, is leasing an extremely bad idea in my situation? I won't drive over 12,000 miles and I'll keep the car clean but it feels like I'm just dumping in too much money.

>>14054572
>build credit score
>literally forced to buy things you don't want just so you can have proof of being responsible
Fuck this society

>>14054608
Just buy a GS300 with 100k on it.

Still more reliable than anything brand new from fiatchrysler/ford/gm

>>14054608
Leasing is just renting a car and building no equity.

If you buy the car, you have an asset when you're done paying for it. Obviously it won't be worth what you paid for it 4 years from now, but it will have value.

You'll give a dealership money for the car, and pay into it like you're buying one, and then you'll have dick sweat to show for it. It's a bad idea.

>>14054611
You don't have to buy anything you don't want. Get a decent credit card, use it to buy things you would have bought with cash anyway, like gas or groceries, then go home and pay it off immediately

Fuck, anything I buy online goes on 1 of 2 credit cards because of the added layer of protection they provide me on certain purchases

>>14054608
get your credit score into the 600's. get a secured credit card. In your current situation, you will be looking at 20%+ APR and with that credit, you wouldn't even qualify for a lease

>>14054625
Also this

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>>14054611
We don't have to worry about this in Australia, but couldn't you work like this?

>pay for meals and shit on credit
>immediately pay off credit bill

Or are they looking for big purchases with no option to pay sooner and save your ass from whatever other fees they'll charge.

>>14054606
By debt, do you mean the cost of the loan? Because I'm not in debt for anything right now. I may go down there and talk to them tomorrow.

>>14054624
>GS300
Is that a good car for winter? I live in Milwaukee. It's been a nice winter so far but even if this year's winter isn't bad. I know next year's will be bad.

>>14054611
Just get a secure credit card and instead of paying cash / debit use your credit card and just pay it off every time you use it.

>>14054632
I don't like it
I just want to pay everything in cash man

>>14054629
Yup, you could exactly that.

>>14054630
As in how much debt you have to your name vs how much income you make. Banks and CU's want to have some idea that you can pay back the money they loan you. Go talk to them

>>14054639
Living as an adult requires you to have credit man. You will get dick punched at every turn the farther you go into life if you don't start building credit

>>14054641
That's fucking bullshit

>>14054510
>caring about how long someone has used 4chan
FUCKING UNDERAGED CANCER GTFOOOOOOOO

>>14054631
Meh, no car is really that much better for winter than others, the trick is to just make sure you know how to drive RWD and make sure to buy some decent tyres.

GS300 are gud, if you're black i'd avoid things like the ES300 or RX330 because they're too niggerish, might get people thinking of you wrong by association.
Don't get caught up in thinking AWD is 'better'. All it does is help you accelerate, you still need to stop and turn at some point.

>>14054645
The things is, as bullshitty as it may be, building good credit is fairly easy, and once you have it, it makes a vast number of things much easier to deal with

trying to buy a house with a credit score of 640 is a completely different experience than trying to buy one with an 820 score

>>14054608
The mileage is just a bad consideration if you want something inexpensive. The age thing is just a weird handicap that I don't really know why you're setting yourself with. What has changed so much from 1995 to 2005? I can get a 95 ES300 with 125k miles on craigslist about 70 miles from me, for 2 grand. That would be a hell of a get better than a younger Chevy Aveo, Cobalt, Chrysler/Dodge anything, Fiesta, etc..

>>14054655
But I never want to buy a house

>>14054655
>implying I'll ever have the money to pay off a house before I die

>>14054645
Every story thread has this guy, or some version of him.

Reality on reality's terms dude.

>>14054659
not just getting a house

-getting a car loan
-getting a cell phone plan
-being able to rent an apartment
-in today's job market, being able to get a job (every single IT job I have seriously chased required a credit check, current job pulled my credit as a stipulation for employment)
-being able to get utilities like power/water/gas
-getting insurance

Soooo many different people will look at your credit for all sorts of shit you might like to do in the real world

>>14054674
That's ridiculous . I don't want credit and don't want to participate, I'd rather responsibly manage my finances and I never buy enough things for my credit ever be built.
Just awful system

>>14054683
Do something about it.

>>14054627
It's strange. My Credit Union gave me 15.4% for a loan rate for 5,000 dollars. But everytime I look online I get like 20%. Jesus christ man, I know I fucked up with my student loans but I just need wheels that has some room so I can move within a year or two if possible.

>>14054653
Lol, I don't need to worry about getting a car too niggerish. I'm black in Wisconsin, lol.

I just want a nice sedan, suv, or wagon that's gonna hold out for me during the next 3-4 years.
ES300 seems okay but I was really looking for a Subaru. What year subaru do you think I can get that's decent?

Also how do you guys feel about the shitty around the corner dealerships? I know they are sketchy but I've been looking at a few carfaxs and they seem legit.

>>14054686
Or he could move to australia, where despite having universally accepted NFC cards, you look weird as fuck if you use credit, no job gives a shit and 'good credit' only helps you get car and home loans.

>>14054695
Depends on the subaru and what your area is like. If you live somewhere with common slow, subarus will all hold an inherent increased value due to 'symetric awd brah'.
Like the other anon said, don't get held up on car years or kms. I personally have looked at 2x preludes in the past, 1 had 85,000kms and the other had 150,000. The 85k was a complete turd and the 150k was immaculate.

If you're not worried about image, ES300 are excellent cars. They're a more luxurious camry built to a high standard, making them some of the most reliable cars on the planet. If you're looking around $3-5k and don't want to be getting any surprised in terms of repairs, i would definitely start there.

I personally avoid smaller dealerships because it's too often they're selling cheap auction shit they've 'fixed' on the cheap for normal prices, and this can fuck you over in the future.

>>14054695
CU's can usually do better than main line banks. Since we are talking about it, I will repost the FICO scoring guidelines for those who might be interested:

Payment History - 35%
-The most important component of your credit score looks at whether you can be trusted to repay money that is lent to you.
-Have you paid your bills on time for each and every account on your credit report?
-If you've paid late, how late were you - 30 days, 60 days, or 90+ days?
-Have any of your accounts gone to collections?
-Do you have any charge offs, debt settlements, bankruptcies, foreclosures, suits, wage attachments, liens or judgments against you?

Amounts Owed - 30%
-The second-most important thing: how much you owe. It looks at the following factors:
-How much of your total credit have you used? Less is better, but owing a little bit can be better than owing nothing at all. Lenders want to see that if you borrow money, you are responsible and financially stable enough to pay it back.
-How much do you owe on specific types of accounts, such as a mortgage, auto loans, credit cards and installment accounts? Credit scoring software likes to see that you have a mix of different types of credit
-How much do you owe in total, and how much do you owe compared to the original amount on installment accounts?

Length of Credit History - 15%
-How many years have you been using credit for? How old is your oldest account, and what is the average age of all your accounts?

New Credit - 10%
-Your score considers how many new accounts you have. It looks at how many new accounts you have applied for recently and when the last time you opened a new account was.
-If you've opened several new accounts recently, you could be a greater credit risk

Types of Credit In Use - 10%
The final factor is whether you have a mix of different types of credit, such as credit cards, store accounts, installment loans and mortgages. It also looks at how many total accounts you have.

you warned my cold heart lpg
merry christmas

>>14054720
Thanks man.

Also can you explain the whole meme of having your credit score checked too much?

I thought you get like a seven day window for each time where if there are a bunch of credit checks it counts as "one" check.

Can you explain?

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>>14054485
>>14054547
Mmmm... Crown Vics

>>14054762
With certain types of credit, like ar or home loans, you do have a window (which varies by state) where you can pull as many inquires as you want without it hitting you credit multiple times

You don't want to pull multiple types of credit in a short period of time, or send in applications to like a dozen different credit cards

>>14054795
haha the one I sold her was silver

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>>14054212
>>14054263
>>14054300

Thanks man.. this was a great surprise to read before going to bed. You ever see that guy again, tell him a random guy on the internet says he's alright.

>>14054697
Yeah maybe if you live in boganville. In any proper city people use cards way more than cash now days. Even in bars and shit.

Tbh I'm moving that way too. Beats taking home $70 in shrapnel after a night out.

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>>14054629
>estimated repair cost: $6,697

>>14054535
It will be decaying, but that wouldn't be hell.

>>14054645

I cannot stand when kids on here make fun of other young kids for getting loans. It just shows you that that kid is daddys little richboi cocksucker. I fucking rage to be honest. Good credit scores are the difference between a 1000$ morgage and a 1450$ morgage. Or a 400$ vs a 560$ car payment. Or if theres a house or apartment to rent and the playing field is 100% equal, the party with the better credit will win.

Also what babbys widle cocksucker doesn't know is many fortune 500 companies look up your credit score along with your criminal records to see if you're a responsible adult or just a blowhard with a degree.

A good credit score is much more valuable then the cash piled up you save on interest.

Bullshit, yes but also reality.

Sorry for the rant...

>>14054683
enjoy paying ever-escalating rents for the rest of your life, while your landlord buys two more houses for himself with your money.

It's worth noting that most decent credit cards have a cashback rewards program of 1 or 2 percent. Pay your bill in full on time every month and never carry a balance, receive free money.

LPG, is it a bad idea to take out a loan on a toy?

Really want to get a newer Ducati Diavel next year to ride the fuck outta, but I don't think I'll be able to outright buy it.

Live with parents and will be for a while (it's fine since I'm a farmer on a family farm) and don't make payments on anything cause they still spoil me. Got a reliable as fuck 2007 Honda Accord for practicality. Credit score is in the 800s from paying off credit card and having a loan on a car a while ago.

Should I or no?

>>14054564
>>14054611
>>14054629

I don't understand how people can possibly have that bad credit.
>Get 1st credit card at 18
>Live at home while going to university, working summers and making 10-12k/year
>Pay for gas, food, other small purchases (5-8k)/year
>Pay balance off monthly
>No other credit.
>2 years later get credit report for shits and giggles.
>840 credit score

>>14055873
lots of people live paycheck to paycheck and don't bother saving anything
so if something happens, then they're fucked and have to pay late.

>>14055748
If you have strong credit, then no, it's not a bad idea. Spreading the cost out over a length of time will ease the burden on your finances, help you build more credit, and the interest rate should be small

>>14056149
This. /o/ fails to realize the sheer number of people who have no savings. As in literally if they can't get a car financed with no money down, they would never be able to buy one

The average US credit score is like 650 these days

>>14055873
Sometimes they are just dumb and can't live within their means.

Sometimes they are forgetful, and can't manage to pay bills on time.

And sometimes they are/were long-term unemployed and have a legacy of living off of credit/letting things default. Debts have a tendency to double/triple in the span of time between the first missed payment and the end at a collections agency.

What is the ideal monthly payment, APR, and down payment amount for a new car or a 1-2 year old car? When do lease cars go up for sale?

>>14054851

You're a dipshit dude
>not taking out loans means you're a richboi
nah it means im not retarded

>>14054416
I paid 16k for my one owner never beat on 08 wrx with 50k on it. These guys are nuts.

>>14056586

you're the outlier, you're the nuts guy.
fucking old subaru shells with 200k miles on them go for 3,000

>>14055873

An 840 credit scores means nothing with 2 years of history and one credit card behind it.

Sure you're on a track to being perfect but being 20 and having such little history it doesn't mean much.

Once you have an 840 with a car loan paid off and 10+ years of history then you can brag.

>>14056591
http://rochester.craigslist.org/ctd/5329159932.html

Still think I'm nuts?

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I literally punched the air and said "yessssssss" when I saw this thread. There goes my afternoon.

I love you LPG

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what blows my mind is how any anons actually think these are real stories. heartwarming, but pretty obviously fiction

yall niggas gullible as hell

>>14054674
Hey LPG. If you're still here, I had a question.

What sort of legal professional do you go to to get shit taken off your credit history? My parents stole my identity a few years back and ran my credit into the mid 400's.

I found out like two months ago and want to get it removed, but nobody's really helping out of the family I've asked.

>>14056674
100% real my bitter friend. Hell, the best stories can't even be told until I quit because that reveal too much about where I work lol

>>14056713
A lawyer who deals with bankruptcy/debt settlement. Identity theft is a looooong as processes to get reversed dude. You ar elooking a minimum of a year's worth of work, and you better be perfectly ok with suing your parents/taking them to court

>>14056770
why cant they just make something clean and simple
it looks like the design artist for exotics just never fucking stopped drawing

>>14056784
>you better be perfectly ok with suing your parents/taking them to court

Well shit, I guess. I don't really know how to put a case together, though. It's from 2013 and I still haven't seen any paperwork about the actual loan.

That and I can't afford a lawyer; I'm 19 and living at home since an unrelated debt they're involved in prevents me from finishing my degree.

>>14056816
>Well shit, I guess. I don't really know how to put a case together

That's why you get a lawyer. People go to fucking prison for identity theft man. You should contact a lawyer anyway, given your situation you might be able to get one who would take the case with no money up front

>>14054443

looks like you done goofed, anon. Prepare your bank account and send for help. She'll be gone within 3-5 years with half of your hard earned shit.

>>14056674
I've worked in a dealership before and I've seen crazier.

Then again we sold cars to niggers and crackheads most of the time.

>>14056827
Damn, that sounds like an escalation I'm not sure I want to take. I mean they have been otherwise ok parents.

Of all the fucking people to do this; there's no way I can go about this without coming off as an ungrateful brat since they've been pretty much fine everywhere else.

>>14056854
>I mean they have been otherwise ok parents.

I don't care how nice your parents are, if they pulled that shit on you they're fuckheads who don't care about their child's future.

>>14054846
We're already dead, and this is hell.

>>14056854
>letting blood relation color your objectivity

At the end of the day, it's your life man, but if it were me, I would burn their world to glass, parents or not. There is absolutely nothing ungrateful about protecting yourself.

>>14055873
When you lose a job and having to eek out things until the next job, your credit can suffer majorly.

And then you have those who don't know how credit works.

I'm just now getting back into the 600's after being unemployed for just a year 5 years ago.

>>14054212
>>14054263
>>14054300
Thanks for the feels LPG, seems that society as of recent has been in a slump. I appreciate the story, and happy travels for old man.

>>14054547
You're a good man.

>>14056854

Yooo, wtf? You shouldn't care how much they've done for you. Stealing your identity and fucking your credit up is going to seriously fuck you for so many years if you don't take care of it.

They could have just really fucked up the next 10 years, or more, of your life.

I really hope I'm not getting trolled, because I have that queezy feeling like I am.

>>14056927
No, I'm serious.

I've asked for help on /biz/ about it the last few weeks, too.

Well fuck, I'll see what litigation options are available. There's a retired assistant DA (She still works, just not for the DA) I used to do volunteer work with, but she's a friend of the family, so I don't know if she'd just tell them I was trying to look into suing them or not. Does asking for any sort of legal advice count as attorney/client privilege?

>>14056947

I wouldn't go to someone who's already involved in the family.

>>14056947
>I've asked for help on /biz/ about it the last few weeks, too.

That was your first mistake

And no, don't get anyone involved with your family, that's just asking for shit to get messy. Asking for legal advice does not give your privilege, you have to legally (as in sign a piece of paper) retain someone as your legal council

Seriously bro, as pointed out above, this is something that could follow you for YEARS, and it's a fucking federal crime. Ignoring it could have catastrophic long reaching consequences. In short, it could come back to bite you in the ass 20 years from now if you never take steps to correct it

>>14054300
>'he didn't want to make his Corvette jealous'
Right in the feels.

I hope you gave that man a hug afterwards.

>>14056985
>>14057039
Gotcha. A total third party.

>>14054683

Everything you said is completely built off of uneducated, preconceived notions about credit.

You can still be financially responsible and take full advantage of the various things credit will allow you to.

Stop being a luddite and get educated, because credit isn't going anywhere soon.

>>14056947

As LPG has said, get yourself legal council with a lawyer that specializes in bankruptcy and debt. As he said as well, if you're being serious that your parents legitimately stole your identity and ruined your credit, there will be lawyers who will talk to you and likely take the case upfront with no cost to you, because you're going to win.

And to reiterate what others have said, you have to stop thinking this as a thing between family. Purely think about your future. Credit is needed, man. I'm sure LPG has an extensive knowledge of the repercussions of bad credit. All I know is that my parents went bankrupt, ruined their credit, and then suffered for 15 years while they attempted to rebuild their credit to something that was usable. This is your life you're protecting. You're not attacking your parents, you're defending yourself. Get serious legal help.

Get some legal help that's completely removed from your family. NOT the retired DA.

>>14056854

You only have that degree of "I don't want to hurt them" because you don't fully realize the extent of what your parents did. Your parents have financially fucked you for at least 7 years.

Look at this post >>14054674
See all that shit LPG linked? You're fucked in every single area.

Your parents don't obviously love you a whole lot to steal your identity and literally financially ruin you for years.

>>14057165
Fuck you, credit is bullshit

>>14057183

Same guy here. For the parents-identity theft-credit guy.

A true story, I know a guy who had his parents do this. Someone I know had a mom and stepfather put a whole bunch of shit in his name. Cars, a whole bunch of other shit.

His credit is so fucked right now that he, quite literally, can't even get cable television for some reason. He never took care of it and now he can't finance a car and is constantly having to buy new piece of shit ruined cars that last a few months, because all he has is cash. Can't get cable TV. A whole slew of other shit.

Just in-case you didn't think it was serious enough. I'd really like to press how serious the situation you're in is. Get it taken care of.

>>14057204

No. It's not, you can bitch and moan all you want all the live long day, but there's two things to note.

1. You're wrong.
2. Credit will always be a part of your life, regardless of whether you use it or not. Your name will still always be tied to credit in some way. No one doesn't really have 'no credit" they just haven't established credit. Trust me, if someone wants, they can get your info and still finanically ruin you, even 'without' credit.

Gripe all you want, that is the 100% reality of the situation. The best you can do is tell the Credit Bureaus in your country to put a "Freeze" on your credit (You need to redo this every so often, I think it's like 90 days or something) and to send you yearly credit reports to make sure it's not being used. This is about as close as to you having 'no credit that can be used' as you can get.

Again, being vigilant and financially responsible, credit is a great tool. Getting into a home with a mortgage, making monthly payments (you'll need to do that with rent, anyway), and then actually getting equity back with your monthly payments (you get nothing with rent) is the biggest and most common plus. Other pluses include things like Cashback Credit Cards, which is literally free money.

>retard brother buys a car without knowing shit and asking anything
>radio literally doesn't work and has traces of it being replaced
>they told him all filters were replaced, none of them were
>same as oil
>one cap on the rims is missing
>they towed it like retards so the rear bumper is fucked up
>brakes made a weird sound
>transmission was all fucked up and sticky
>it's ok anon lol I bought it for you as a gift

Don't know how to feel really.

>>14057269

Either drive it like a fucking idiot and have a shit ton of fun while not giving a fuck in the world about the car and drive it into the ground

or

sell it

>>14057277
Nah I'm in the process of fixing it and I'm gonna baby it as a dd. Still would have done way better if I had bought it.

>>14057183
>>14057198

Gotcha. I'm looking into it now.

>>14057212
He can't get cable because cable companies pull your credit report as a condition of offering you service. If you can't pay back important bills, what are the odds you will ever actually pay your tv bill?

In North Carolina, Duke Energy can refuse you fucking electric service based on bad credit. You could move into a shit hole, rat infested apartment that you can pay cash for, and be fucking stuck without water, power, tv, internet, gas, or insurance because you have fucked credit

>>14057339
>You could move into a shit hole, rat infested apartment that you can pay cash for, and be fucking stuck without water, power, tv, internet, gas, or insurance because you have fucked credit

>cooking on a propane stove
>running a kerosene heater by day and using all the blankets by night
>running an extension cord from the neighbor's house to power a laptop and bumming wifi
>getting water from the neighbor's tap and taking sponge baths

Brings back memories.

It's really not hard to get decent credit. Get a credit card at 18, be responsible with it, and a year down the road you'll have no trouble with utilities and shit.

>>14057357

While I do agree that credit is easy, you're missing one colossal point that's being made numerous times in this thread.

>My parents ruined my credit.

This is a situation that, most people, don't have the ability to control. I emphasize that not only is it important to use credit correctly, it's just as (if not more) important to learn how to protect your credit ASAP in life.

>>14057357
>get a credit card at 18
Richbitch kid detected
Go fuck yourself
Doesn't surprise me /o/ is mostly spoiled millenials

>>14057418
I'm working my way through a 4 year degree in engineering, paying for it as I go. I've had a credit card for 2 years, literally costs 0$ to join a university credit union. Git (financially) gud son.

>>14057418
Not being rich doesn't stop you from getting a $500 limit bottom tier credit card from your local credit union at 18. I'd tell you to go fuck yourself too but since you're a financial idiot you probably already have.

>>14057418
>credit card at 18
>richbitch kid
My fucking dog got a pre-approved credit card in the mail cause I used his name with my last name for lots of bullshit on the internet.

>>14057403
Sorry, I wasn't addressing the original point directly, but rather the wider discussion of credit.

>>14057418
>didn't read the rest of my post
When I was 18 I saved up $500 and got a secure credit card. Basically, I give the bank $500, they give me a credit card with a $500 limit. In a year, I get back the $500 and upgrade my card. That's with never having used credit.

>>14057454
>saved up $500
Rich
Kid

>>14057339
fuck credit
Fucking scam
I'm not a materialistic asshole, I will not be forced to be one

>>14057403
>>>/biz/999924

My post here was short, there's the long version. Also thanks for the help /o/.

>>14057464
>being able to save $500 over a couple months is rich
>when living at home and walking to work
Sure thing, m80.

>>14057484
It is

>>14057482
are you in the US man?

>>14057464
Not him, but bro I could have saved up $500 from fuckin lawn mowing money alone. Not like you have any expensive when you're 18 and living at home. Fortunately I was also smart enough to get other jobs like being a rec soccer ref and office bitch for a construction subcontractor. Even fucking Itsuki from Initial D was able to save up enough to buy his own hooning shitbox. If you don't want to be so dirt poor you can't even scrounge up $500 stop being a lazy piece of shit and get a job.

>>14057482
Sorry to hear that man, fucking over your own kid's credit is a real dirtbag move. I hope you can pull yourself out of the hole your worthless parents dug for you.

>>14057464

$500 is not a 'rich' amount of money. Any idiot with a minimum wage job will get that in 2 weeks.

>>14057494
I did have a job you piece of shit, I worked nearly every day and on off days I was forced into labor
Fuck you rich kid

>>14057477

Don't dodge my post here >>14057260 just because you're wrong and then keep replying like a dumbass bitch about the matter.

Do everyone, and yourself, a favor and get fucking educated on the matter before you spout shit you know nothing about.

>>14054212


HEY LPG

I'm dating a chick in school who is living of the GI bill ,like $1500 a month, she's a woman so she doesn't have great credit and her bank wont give her a car loan because she doesn't have a job.

How do I get this bitch a newer car?

>>14057506
In that case if you still couldn't make any money what's even the point in going on. May as well kill yourself.

>>14057260
>>14057508
I don't get it

>>14057510
tell her to get a job, build credit, and try again in 6 months

DO NOT, I REPEAT DO NOT co-sign on a car loan for her


>>14057506
500 dollars is minimum wage fry making money anon. Seriously, if you can't make 500 bucks in 200 weeks, you can't into money

>>14057508
shut the FUCK up dude
im on that guy's side, credit is fucked and you assholes who are shilling for it all the time can go fuck yourself

>>14057493
Yes.

>>14057523
I had to spend my money dipshit , I wasn't some spoiled highschool kid like you who could pocket his money he earned at some cushy fast food job

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>>14054212
>>14054263
>>14054300

Glorious, good for him

>>14057527
then you should have no problem. No one under 18 can sign a legal contract in the US. If you had a loan signed to your name at 17, you have a solid case. Just gotta get a lawyer

>>14057526

>Credit is fucked.

Again, the only people who say this are uneducated luddites. Nothing else. Get educated or do the world a favor and stop having opinions, they're stupid anyway.

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>>14057530
>cushy fast food job
literally what

>>14057542
>YOU'RE WRONG AND STUPID BECUASE I HAVE A DIFFERNET OPINION
10/10

>>14057550

I've already explained the reasons you're wrong. So, all you can do is cry and shout "TROLL XDD" like a bitch.

>>14057588
>>14057588

what

>>14057590

It's literally as I said you fucking idiot, see here >>14057260

Also, you've done nothing but go "HURR I DONT LIKE CREDIT FUCK YOU FUCK FUCK I DONT LIKE IT" shouting nonsensical shit. So the only person making himself look like an idiot, is you.

All I can say is I've done my part to spread actual knowledge, enjoy being a poor fuck the rest of your life.

>>14057523
Yeah she'd already have a car if I'd co-sign with her. But I told her I'd only consider that if she got a manual car that I'd be fine with owning if she fucked up. Which stopped her having that line of thinking.

I don't think she's smart enough to manage work and school unfortunately. Guess I'm going to keep fixing her fucking sunfire until it explodes.

I wish I could hold women to the same standards I hold my male friends, but dat pussy game ridiculous.

>>14057602
>being a poor fuck
i dont understand how not having credit can make someone poor
and I never shouted shit like that, I dont get you

>>14057622

>Back pedaling.
>Not having credit can make someone poor.

That's not my point exactly, my point is you're so fucking uneducated about the matter that you're too stupid to understand and use the tools that exists in the world. This is something you'd expect from a poor, worthless, idiot.

>>14057628
>backpedaling
when?
Why are you making all these assumptions about me? Why are you so determined to hate me just because I disagree with you on this one thing

>>14057622
It makes you look poor in the eyes pretty much every financial institution on the planet.

The fact can't comprehend that means you're a dumbass.

>>14057642
why should i care if i look poor to them

>>14057622
To step in, not having credit doesn't by definition make you poor. You can, in a limited way, exists without ever using credit. However....

You would be foolish NOT to exploit credit to your advantage. Having it puts you in a position of power in almost any type of financial transaction. You can dicate terms instead of having terms dicated at you

Think of this was. I have 50 grand to go buy a Mercedes. I could pay for it cash. But instead, because I have a credit score of 840, I finance it at 0%. I then stick my money in a saving account where it earns 1.2%. I can draw out the monthly payment each month, but the remainder of the money sits in the bank earning me interest.

At the end of 5 years, I have the car, but my 50K worked FOR ME in my savings, I had a cash reserve on hand in case an unexpected expense arose, and I earned interest, instead of just spending 50K at once. If you had shitty credit, you couldn't do any of that

Good credit lets you put your money to work, and I have never seen anyone who I personally, by my own LPG standards, would consider successful who hadn't cultivated good credit and used it to his/her advantage

In short, you can mine coal with a pick axe. But why would you want to when a small amount of common sense gives you a much higher return on your dollar

>>14057619
>I don't think she's smart enough to manage work and school unfortunately

This is why you never get seriously involved with dumb chicks anon

>>14057644
Because, if you ever want to get a decent job, or be able to rent a place if you had to buy house, or buy anything that you need to live but is outside your means.

Its important.

>>14057663
i make 60k a year and live out of my van
why would i ever live outside me means, im not a shithead like you
fuck this materialistic bullshit,
>YOU NEED THIS YOU NEED TO DO IT TO LIVE
NO
YOU DONT
fuck credit and fuck you

>>14054596
>BH-PH becomes illegal or just heavily regulated? that's blatant predatory lending
No it's not. The idiot buyer can walk away from the car at any time and there is no damage to their credit.

>>14057675
https://www.youtube.com/watch?v=3nhgfjrKi0o

>>14057675
Oh, so you're a loser

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>>14057657
Smart attractive women are smart enough to avoid me though.

>>14057685
>loser
How

>>14057707
no one of worth in society lives in a van

>>14057713
how limited is your world view man

>>14057715
how limited is yours?

>>14057719
what

>>14057724
living in a van with no significant worth to society or family? you see that as being anything other than a loser?

>>14057732
no?
how does that have anything to do with having a limited world view
what are you even saying anymore
>literally make the most out of my entire family
>enjoying myself
>somehow a loser

>>14057713
I lived in an old VW bus for a while

>>14057742
Serious question. You don't ever want anything more out of life than living in a van?

>>14057775
not really
im pretty happy to be honest
maybe some day ill get like a small apartment if i want to raise a kid
but really im just hoarding all my money, i have fucking nothing to spend it on really

>>14056617
>rochester
Pittsfordbro?

>>14057713
He's pretty retarded not having credit but you're a fucking vain, consumerist moron.

>>14057540
I actually just got off the phone wok an attorney. He have me advice on paying or consolidating the $8000 but said as far as my credit score is concerned it's not going to be worth fighting since any lawyer that would be interested in taking that case would charge thousands of dollars more than the debt was worth.

>>14057784
If it makes you happy man. I absolutely keep a healthy savings, but I couldn't hoard my money, I always have too many projects in the air that I wanna fuck around with

>>14057828
You would still wanna take steps to protect your identity anon. Get your SS number changed. Get your credit profile frozen so you have to give verbal authorization for anyone to pull it. Plus you would want an official record somewhere that you actually filed a report for stolen identity.

As far as a lawyer charging more than what the debt is worth, it would still be worth it TO ME personally to get it off my record

>22, black guy, active duty
>see 06 g35 coupe in dealership
>9k price tag, wtf?
>pull in and check out car. Black interior, 6spd manual, worn seats, leather trim peeling, 180k
>talk to sales asking why price is so high,
>"well these are very rare and popular cars"
>explain all usual problems with high milage vq's and overall condition with car
>test drives like crap
>talks down to 8k
>high 600 credit score
>denied due to weak credit history
>says I need co-signer
>tell him I'm going to see my credit union's loan officer
>don't
>1 week later get a call asking if I was interested in the g35 still. Told they dropped the price to 7k now.
>yeaaah, no. Still worth less than what they want
>waiting till they call again or after holidays to try and snag for 6k and 1k down payment

>>14057855
I can't afford that, man. I make around 200 bucks a week working full time.

>>14057924
it doesn't cost you anything to get your social change and your credit frozen bro

>>14057675

>I make 60k
>Live in a van.
>I hate credit because I have uneducated assumptions about it.

Somewhere, you're a lying sack of shit.

got help from dealership mechanics a time or two just by going there & asking

>>14057931
I was referring to the legal services to get the fraudulent loan removed. It would take a year and I'd have nothing left afterward; even longer if I try to move out.

>>14057924
-Consolidate the debt

-Take all the free steps you can to protect identity

-Sue your parents in small claims for whatever the maximum amount your state allows

>>14058003
The small claims limit in my state is $25,000.

>>14058032
shiiiiiiit

sue them for the total amount of the bad debt then. Small claims is self representation. I've been in it 3 times

>>14058032
Then sue them for it or see if you can get a criminal case for it, providing the statute of limitations hasn't run out.

You really need to just find a lawyer, they'll inform of all your available options.

Hey LPG, I'm apart of navy federal credit union and I have no credit. I really want to finance a 12kish car and I feel like that's an easier way to build my credit. I worked out the little math and I'd be doing about 7k on interest at about a 16% (which I think is really bad, right?). Should I go through with buying the car? It's an FD, so it's going to appreciate so long as I keep it nice. That's pretty much the only reason I'm willing to take such a hefty interest hit

>>14058041
Only lawyer I've spoken to has my option at try to pay everything off, but there's nothing I can do to really get it removed or go after my parents.

>>14058073
Dude.

You were 17 when a loan contract was signed. You can not legally sign a loan at 17. Someone signed that loan. The paperwork for it exists somewhere, and as a minor your parents are directly responsible for it. You could absolutely sue your parents in small claims court.

You need to go talk to a lawyer in person, and lay out the entire scope of what is going on. You have a civil and a criminal case with what you have described

>>14058058
That's a very strong 'maybe' on your FD appreciating anon. And I wouldn't touch ANY car loan at 16%

>>14058094
Ah, but it was a student loan with the government. I was informed that such a loan is literally the only single loan that can be signed and valid despite the signer being a minor. That was made exempt due to the amount of 17 year old high school graduates.

>>14058032
Goddamn what kind of yank state lets small claims go to 25k.

I could only get 5k the last time a cunt vandalized my car.

>Be me
>Work job where I get tons of hours during the winter and almost none during the summer
>End up having to live off said CC for a few months while paychecks go to bills
>Make minimum payments each month during this time
>When winter hours pick up again, pay off CC
>No place is willing to hire me during the summer for a few months.

How fucked is my credit?

>>14058058
Wow NFCU offered 16%? That's crazy high. I bought an '05 Jetta TDI about two years ago and only paid 2.54% with NFCU.

>>14058105
yes, but as a student loan, your parents would have to have either co-signed, or signed as a guarantor, no government student loan ANYWHERE lets a 17 year old sign on by himself.

Even if your parents had the paperwork faxed or mailed, did it all themselves, and sent it back in, copies of the original paperwork exist

>>14058117
>yank state

Tennessee, lol.

>>14058134
I'll ask around; the first lawyer was the only one I could find that handles this sort of thing.

>>14058152
Absolutely ask around, and go visit a few in person. And if I were you, I would get my hands on the original loan paperwork.

>>14058132
CFCU doesn't like people buying used cars, let alone used sports cars.

Also a 12k FD should really be bought with cash, you're going to pay out the ass for full insurance.

>>14058163
>CFCU
Navy Fed CU, cuck me.

>>14057906
>Financing a car with 180k I barely feel safe fiancing a car with 70k

>>14054647
Pretty much this.

What does being here for ten years really get you? A golden dildo made from a mold of moot's dick?

>>14057269
what car?

>>14058123
If you've always made the minimum payments you shouldn't have anything to worry about.

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>>14054587
Fuck you for reminding me of that.

>>14057939
Not saying he isn't lying but living in a van is common way people in silicon valley try to avoid being ass-raped by the cost of living in Commiefornia

You get a plumber's van, register and insure it in a cheap state and live in it while you work for several years until you can get a mid level or better job in a not shit region. If your office has showers you park half a mile from the office and ride a bike in. If not you get a gym membership

Most of the guys that do this are the first generation to go to college so being the standard of living isn't all that bad when you grew up in or near a trailer park.

>>14058157
>>14058157
I will ask the university for it.

Does them logging into my student email while I was asleep/away from home and sending mail have any relevance if I were to go to small claims?

>>14058276
>does someone impersonating me have legal relevance

it absofuckingloutely does

>>14058278
I still can't find any relevant lawyers in my area; can I at least ask the retired DA for relevant attorneys?

>>14058278
You could have just said yes.

>>14058094
To be honest, I was just taking worse case scenario considering I have no credit. What do you think is the best rate for them to give me with none LPG?
>>14058132
I didn't fully apply with the VIN, just with the loan amount in mind and my yearly income, ect. It didn't give me the exact but it said from 2.58% to 16.8%. I assumed the worst because of my no credit history

>>14054611
You are retard who can't even do a 5 second Google search on something critical to functioning in modern society. Lazy dumbasses like you are the reason our society is fucked.

>>14055062
Even if you tell them, they won't get it.

>>14054542
Pls tell me the interior is clean.
>>14054606
>car loans are going to pop
Duh. Im 18 in highschool and can tell people that. You know how many people in highschool around Raleigh pay for their car practically all in loans, its ridiculous.

>>14058372
No dude. Fuck no. Time to be an adult and stop letting people fuck you over. Don't talk to your parents friend. Don't talk to your parents.

You don't necessarily need some special lawyer. What you need is to talk to different lawyers instead of 4chan. Set up consultation meetings with different lawyers so you can tell them your story and ask how they can help. This is free. They will tell you what they can do and any cost involved. Go out and talk to 10 different lawyers, SOMEONE is going to be able to help you.

Also follow the steps the LPG said about protecting you identity going forward and document this CRIME. This is no different than your parents gang raping you and forcing you to eat shit. DO NOT TRUST THEM and start looking out for yourself.

>>14054547
youve finally done somthing good

>>14058058
I was with NFCU when I first joined out of high school (1998). Had no credit. Got a $500 loan through them. Paid off in 2 months, got another, paid off in 2 months. Got 1500 to buy car off friend, paid off in 1 year. It's easy to build credit. Get a navy exchange credit card too.

>>14059254
I'm reading the application to change my SS number now.

>>14054278
Picture too big nee-chan!

Damn I'm a little late but whatever. I'm 22, just graduated college, and have had one credit card for about a year now. However, with various other loans, and my rental history, my credit score itself is 725 currently. What kind of rates would I be looking at for a used or new car? Even though my score is good, my history is super short.

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>>14057906
>bitch about the car
>thinks it drives like crap
>still wants it

wat

>>14054587
I wouldn't even be surprised if May was on 4chan

>>14056595
calm down a little man, he's still doing better than a lot of other people his age.

Besides, some history is better than no history, he'll have a better shot at that car payment and it'll be easier to pay off/faster. u jelly?

>>14060491
only want to buy it to swap it

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>>14056586
>>14056591
>>14056617
you think that's bad?
https://seattle.craigslist.org/sno/ctd/5363214905.html

>>14060774
I like driving by that place.

>>14057464

>being poor

Top kek

If I invest $8,000 in big tits, is this a good investment?

>>14061350
bolt ons cost that much?

there is an advert on the radio by me all the time for plastic surgery that you can finance. Imagine financing your tits. How do they take them back if you can't pay?

>>14061358
https://www.youtube.com/watch?v=MzgpU25C6fg

>>14061362
I'm at work so can't really watch that, but did see Repo Men.

Worst they could do in Burgerland is fuck with their credit I think.

>>14061350

If you attract 2-3 sugar daddies, they will pay for themselves in about 3 months.

>>14061350
Gonna need pics to decide

>>14056539

Enjoy fucking yourself over later in life.

>>14059254
I'm still looking for lawyers, but the current advice I've gotten is still that the sum isn't substantial enough to make taking ti to court cost-effective.

>>14056617
>no more hatchbacks
I'm fucking mad the legacy is the only hatchback/wagon left and it has an anemic engine

post more stories pls

>>14054552
fix it?
Except for the brake lines, those are all wear items that you should have kept up on

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>>14057684

What's better for building credit guys?
Putting more on the downpayment and going for a short term, aggressive loan?
Or putting an average downpayment and going for a longer more passive drawn out loan?

I don't wanna waste money on interest but I also would like to have good credit.


Not /o/ related:
Is working in a bank a good way to make money while I attend university? I'm working retail right now and after a year of working there, with good performance reviews, I make 9.15$ hour. Pretty upset about it.

I feel like those fuckers have fantastic hours at banks and usually do pretty well.

>>14060774
>https://seattle.craigslist.org/sno/ctd/5363214905.html

>Kompact
>Kar
>Korner
>KKK

fucking seriously?

>>14061350

if you're a waitress or a stripper, yes definitely. There was a handful of clubs in Calgary that would pay for their girls to get fake tits if they signed an employment contract to stick around for a year or two.

>>14057701
Save money; visit strip clubs instead and get a pet for companionship if you're a sentimental fuck

>>14063719
does it trigger you nigger

>>14064064

>implying i'm not an ambassador from /pol/

it just seems like a poor business decision.

>>14064334
a poor decision is doing any business with blacks, tбh senpai