Getting straight raped by this auto loan I recently signed...

[NatiboyB]

Been considering armed forces for a while now. Just got in school this semester to try to build credits and shyt for the armed forces because I have GED, they want college credits in lieu of GED (or so I've read...haven't contacted recruiter yet). I know I'm late and I feel the pinch bruh.

Yeah generally 12-18 credits.

 

[Kane1]

yeah it's very poor/ to poor status. It's not really established (got declined by wells fargo due to "lack of trades" and "insufficient revolving accounts".....like wait, y'all want me to open up MORE credit? What about that fukking 11k loan I paid off...) though I've paid off all my debts except this one from school I used to attend. But I'm going to pay this shyt off though. Once I do, I will begin saving again and stacking stacking stacking. I'm really good at saving shyt so I just feel like once I get a decent job, this debt will be gone in no time.

Get ur credit game right breh

 

[Klyk21]

Just crossed the 700 line brehs (717) I can thank everyone that give good advice back then. Thanks for all those who were clowning me too because I used that as motivation to build my savings up and pay the car off and not allow it to go into default

 

[winb83]

Just crossed the 700 line brehs (717) I can thank everyone that give good advice back then. Thanks for all those who were clowning me too because I used that as motivation to build my savings up and pay the car off and not allow it to go into default

Next time just finance it at a credit union. Those buy here pay here car dealerships are all pretty much scams. Hell you might have been able to get a credit union to buy that loan out and more than half your interest rate

 

[Klyk21]

Next time just finance it at a credit union. Those buy here pay here car dealerships are all pretty much scams. Hell you might have been able to get a credit union to buy that loan out and more than half your interest rate

Yes, that's where i am now (CU). Trying to get a townhome/condo here soon. Need more cash on hand though for a decent down payment

 

[winb83]

Yes, that's where i am now (CU). Trying to get a townhome/condo here soon. Need more cash on hand though for a decent down payment

You should save up 20% so you don't have to pay PMI.

PMI can be upwards of 1% of the loan annually until you reach having paid back 20% of the home's cost. If you're one of those people that puts down 3% or the bare minimum then you'll be paying PMI for years and wasting likely thousands of dollars on it.

 

[Poh SIti Dawn]

Like I told my bruh, they treating me like i'm keisha in the hood with 3/4 kids when in actuality, I'm just a 27 year old dude that's going to school, trying to get experience, no thugging, no drugs, no record, pay bills on time, respect others and this how I'm treated by the credit system?! Yea early on I may have made some mistakes (had no idea about % rates or anything back then) and got behind on my 300 dollar limit turned 600 dollar debt by that first pro bank or w/e it's called. fukk them man. fukk debt. fukk it all....this shyt got me wanting to fukk something up right now....I thought I only owed the 6k but turns out I owe the 9k unless paid off early......but i'm fukking broke right now!!!!! If I had that shyt I'd dump it straight onto this debt and keep it moving but I don't. Jobs not hiring! Got no real work experience (except warehouse shyt) but I'm pretty decent with computers and I'm actively looking for a repair job or something with minimal exp. Applied at geeksquad but never received a call but I apply there often though. Some guys in ATL are ballers for sure....some even on this site but I'm not one of them......yet. Until that day, fukk this shyt again

Smh you acting like Keisha from the hood making these hood rat decisions breh

 

[feelosofer]

But it situations like these, that show when your credit does improve, why leasing make a lot more sense.

 

[Orange cream shake]

1000 could have bought u an 01 car. U dumb.

 

[Mowgli]

Go broke so you can stunt bruhs.

Going broke for fast food p*ssy.


We gotta be better

 

[XII]

I just walked into my credit union and they offered me 3%

And I'm a broke college student

How the fukk did you walk out with 28%

 

[beezy]

Why did you do that

 

[Neil Tyson]

If you're just going to school don't get a loan, just get something cheap, gas efficient with 4 wheels.

 

[dynamik]

yeah it's very poor/ to poor status. It's not really established (got declined by wells fargo due to "lack of trades" and "insufficient revolving accounts".....like wait, y'all want me to open up MORE credit? What about that fukking 11k loan I paid off...) though I've paid off all my debts except this one from school I used to attend. But I'm going to pay this shyt off though. Once I do, I will begin saving again and stacking stacking stacking. I'm really good at saving shyt so I just feel like once I get a decent job, this debt will be gone in no time.

Sign up for Credit Karma and monitor. Also, Blue Sky financial will fight all of the marks on your credit for about $60 a month.

 

[lamont614]

Might be in the same boat


Hope not hopefully it won’t cost much to get my car fixed