How far away am I from getting a decent car loan o? Also which

>>14078498
dude what the hell

do you have credit cards and phone bill?

700 is the magic number though you get all the low rates at 690 or 700 something like that.

>>14078507
What?
>>14078519
>do you have credit cards and phone bill?
Yes. I didn't have a card up until about a couple months ago.
700 seems so far away, but I hope I get there.

>>14078498
>tfw Navy Federal won't allow us Coasties to join
Guess I'll stick with Space Coast Credit Union.

>>14078534
How is your credit score that bad?

>>14078498
680 is what you need before anyone will even look at you

>>14078819
student loans and never had credit.

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>>14078498
Get a credit card, sounds like you may be military so try USAA Platinum or whatever non-secured card. Your interest rate will be crazy but just put $200 on it and pay it off each month before interest accrues.

Pic related still digging mine out of a similar hole.

Credit Karma scores are bullshit. That site says I've got a 760 Equifax, but when they ran my credit at the dealership it was 810.

>>14078911
You know your credit drops whenever theres an inquiry into it

>>14078983
this, found it out a few weeks ago from a financial advisor. feel kinda cheated that they didn't teach that in highschool or university.

>>14078983
It doesn't drop much, credit,karma is slower to change your score though.

>>14078498
>get a credit card or 2
>pay your bills with it
>PAY IT ALL OFF at the end of the month
>enjoy your free credit score and rewards points and shit with 0 interest
gotta learn to outjew the jews

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>the United States of Credit Scores

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>tfw 11,000 CC debt
>14,000 personal loan debt
>666 Credit Score
>still managed to get a 35,000 car at 0% interest for 72 months

>>14080170
>still won't outrun depreciation
>financing for 6 years

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Um... guys

Is this good?

>>14079768
> not (knowledgeable) into credits, would not opt for any cuz no need
> pay in cash or debit card for everything
> prepaid phone, internet and dorm (flat rate)
I would be lost if I got to US - even when I want the latter.

>>14080249
It's average

>>14078850
I have student loans and just got a credit card this spring. I'm sitting at 730. I even started at 680. What you said doesn't explain why it is so low.

>>14080643
What he's saying is that he's either been late on payments or missed a few on his student loans. That's the only explanation there is.

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Fucking how? I may have used a credit card 5 times in my life.

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Credit score thread?

Op aim for at least 700. How big a loan, and how many months are you thinking? It will take a while to build. Anyway you can find a co-signer?

>>14080249
damn cut your credit use. Or if it is real low which it is call and ask for more credit if you have been a good user. That could push you above 700

>>14078498
I gross ~$14k / month and have a fico of 780 and had to threaten a sales manager woth walking away from a car that took 4 months to ship in just to get my five year loan under 3%. Jews gonna jew

>>14078983
I checked it on Credit Karma before going to the dealership. And a credit check won't drop it 50 points.