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#21 |
White Trash Hero
Join Date: Mar 2008
Location: NW Arkansas
Moto: Buell 1125R Porco Rosso Edition
Posts: 4,895
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Basically the bureau's metrics and formulas for coming up with a credit score lacks a ton of common sense. They are complicated. So complicated they overlook the obvious.
I had excellent credit after my divorce, but alot of good regularly paid debts overlooks a source of cash flow or revolving debt dependency. I was broke. Then pile on some non bureau reportables like taxes and medical bills and I am bankrupt but with a 700 plus score...Its nonsense
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#22 | |
AMA Supersport
Join Date: Nov 2008
Location: Odessa, TX
Moto: 2000 Honda CBR1100XX Blackbird
Posts: 4,931
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1982 Honda XR80 - blown motor, 1993 Kawasaki ZX6D - sold, 2001 Suzuki Bandit 1200S - sold, 1984 Honda Magna - sold, 2001 Kawasaki ZRX1200R - blown motor, 2007 Suzuki DL1000 V-Strom - totalled, 2003 Yamaha FZ1 - sold, 1994 Honda Magna - sold, 2001 Honda CBR600F4i - sold, 1998 Suzuki DR350 - stolen, 1989 Honda Super Magna - sold, 2007 Yamaha Stratoliner, 2000 Honda CBR 1100XX Blackbird |
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#23 |
Pug Queen
Join Date: Dec 2008
Location: Las Vegas, NV
Moto: DR200, SV650
Posts: 2,486
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Kaneman, my Fico score is about 735 and I can't get a loan. I think its just not that easy to get loans anymore. I can barely get a credit card, the last one I got was for $1k. And f'n BOA cut my credit line from $30k to $9k saying my debt to income ratio was too high.
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#24 |
White Trash Hero
Join Date: Mar 2008
Location: NW Arkansas
Moto: Buell 1125R Porco Rosso Edition
Posts: 4,895
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I was approved for a 0 down home mtg 100K+ last May, pay on time and have been denied for a Toys R Us, Lowes, and Home Depot credit acct.
!?!?
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#25 |
Imported from Detroit
Join Date: Nov 2008
Location: Michigan
Moto: 2001 Suzuki TL1000R
Posts: 989
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http://www.drivetime.com/ I had to go here. You get raped, but the trucks are in good shape and they work with you, try to get the intrest as low as possible.
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#26 | |
AMA Supersport
Join Date: Nov 2008
Location: Odessa, TX
Moto: 2000 Honda CBR1100XX Blackbird
Posts: 4,931
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I don't want them to sell me a vehicle they don't own.
__________________
1982 Honda XR80 - blown motor, 1993 Kawasaki ZX6D - sold, 2001 Suzuki Bandit 1200S - sold, 1984 Honda Magna - sold, 2001 Kawasaki ZRX1200R - blown motor, 2007 Suzuki DL1000 V-Strom - totalled, 2003 Yamaha FZ1 - sold, 1994 Honda Magna - sold, 2001 Honda CBR600F4i - sold, 1998 Suzuki DR350 - stolen, 1989 Honda Super Magna - sold, 2007 Yamaha Stratoliner, 2000 Honda CBR 1100XX Blackbird |
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#27 |
Imported from Detroit
Join Date: Nov 2008
Location: Michigan
Moto: 2001 Suzuki TL1000R
Posts: 989
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The fraud I had heard about was individuals losing cash payments and taking cars back as a result. I paid with a check and kept all of my reciepts, just like everything else, cover your ass. They give warranties and vehicle history reports now too, so maybe give them a look and if ya buy something, gimme a shout, my wife needs to build her credit and I think this is a route we will be taking, $200 for referrals.
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#28 | |
AMA Supersport
Join Date: Nov 2008
Location: Odessa, TX
Moto: 2000 Honda CBR1100XX Blackbird
Posts: 4,931
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__________________
1982 Honda XR80 - blown motor, 1993 Kawasaki ZX6D - sold, 2001 Suzuki Bandit 1200S - sold, 1984 Honda Magna - sold, 2001 Kawasaki ZRX1200R - blown motor, 2007 Suzuki DL1000 V-Strom - totalled, 2003 Yamaha FZ1 - sold, 1994 Honda Magna - sold, 2001 Honda CBR600F4i - sold, 1998 Suzuki DR350 - stolen, 1989 Honda Super Magna - sold, 2007 Yamaha Stratoliner, 2000 Honda CBR 1100XX Blackbird |
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#29 |
Imported from Detroit
Join Date: Nov 2008
Location: Michigan
Moto: 2001 Suzuki TL1000R
Posts: 989
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Every payment. Work on the intrest, its gonna start high, but pound them.
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#30 |
AMA Supersport
Join Date: Nov 2008
Location: Odessa, TX
Moto: 2000 Honda CBR1100XX Blackbird
Posts: 4,931
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Oh absolutely. I fully plan on doubling the payments on whatever I do.
__________________
1982 Honda XR80 - blown motor, 1993 Kawasaki ZX6D - sold, 2001 Suzuki Bandit 1200S - sold, 1984 Honda Magna - sold, 2001 Kawasaki ZRX1200R - blown motor, 2007 Suzuki DL1000 V-Strom - totalled, 2003 Yamaha FZ1 - sold, 1994 Honda Magna - sold, 2001 Honda CBR600F4i - sold, 1998 Suzuki DR350 - stolen, 1989 Honda Super Magna - sold, 2007 Yamaha Stratoliner, 2000 Honda CBR 1100XX Blackbird |
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