What are you doing / did you do today / CHAT THREAD

[crash!]

Talk to with your bank, they can help with a getting a credit card - the sooner the better dude. I working on improving my credit because i need to own a house soon, i want to have Great credit. i should have started as early as possible - technically i could of started since my first job, that was when was 16. But, you live and you learn.

I was always really intimidated by credit cards and loans. So I just paid everything with my "real" money I didn't realize how much you need credit later on. I did talk with my bank, told them my situation. They suggested a card that would be good for me, and I got denied

 

[Osiris19]

right now i'm debating what i want to put on my EJ for dailying. original owner had it on ebay coils with factory struts -_-... who the f**k does that?

Koni yellow is a good track strut, I don't have any knowledge of the oranges there.

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[XpL0d3r]

Are you talking about financing a car?
Someone will still finance you. It'll just wont be as fast as if you had established credit.
Also you might need to show more proof of income then just filling out the credit application at the dealer.
In other words, the lender needs to see that you really will be able to make those payments, since they don't have other type of history go by, they can't just take your word for. You must prove it.
Your interest rate will not be the best because there isn't any credit history
BUT, you can re-finance once your credit starts building up(usually after 8 payments)
Don't get a co-signer, try to do it all by yourself., you're not 18.

If you can wait 8mo-1 year, Go get a credit card and use it as a Tool To Build Your Credit Only.
Then, go finance the car you want.

If she has no established credit she'd probably need a cosigner... if approved the interest rate would be lower than being alone. They'd both be listed on the title of the car though. I'm sure paying on that with the cosigner would actually help build credit too.

But I agree -- get a credit card and use it as a way to build credit.. use it just on gas or something.

Talk to with your bank, they can help with a getting a credit card - the sooner the better dude. I working on improving my credit because i need to own a house soon, i want to have Great credit. i should have started as early as possible - technically i could of started since my first job, that was when was 16. But, you live and you learn.

Yup agreed on the sooner the better. As long as you can afford it and don't go overboard.

right now i'm debating what i want to put on my EJ for dailying. original owner had it on ebay coils with factory struts -_-... who the f*** does that?

Lame people, haha. Are you trying to lower it at all?

I was always really intimidated by credit cards and loans. So I just paid everything with my "real" money I didn't realize how much you need credit later on. I did talk with my bank, told them my situation. They suggested a card that would be good for me, and I got denied

Damn I just confirmed that getting a cosigner can help you build credit, so that would be a starting point. Wait a few months and then try to apply for one maybe? I'm not sure how long it takes.

 

[Osiris19]

Mom pulled this gem out of a pack of old photos. To be a kid again.

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[mymmeryloss]

Mom pulled this gem out of a pack of old photos. To be a kid again.

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U look a lot like me when i was s kid

 

[Osiris19]

U look a lot like me when i was s kid

Fo real?

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[young_]

Not bad. And whats wrong with a Chevy Nick?



3 more shifts until i go home. Thank god. 7 1/2 out of the last 10 weeks in North Dakota away from my family was too much...







It snowed in Minot last night. Yippie! But seriously, go the f*** away winter.

Nothing wrong with Chevy. Just didn't think that was your thing

 

[Osiris19]

Just ordered my rear LCA bushings. Can't wait to drop the rear

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[Honda9206]

@crash. In my area when you have no established credit they want you to get a prepaid credit card through your bank. It is where you provide your credit limit and pay it back as you use it. (Ex: the bank you gives you said credit card, you deposit 500 dollars into your credit limit, you pay back what you spend out of your 500 dollars. If you don't pay then your are charged penalties just as you would be on a normal credit card) it will build your credit up pretty quickly. The bank sees it as a test. If you are responsible enough to handle your own money then you will be responsible enough to handle theirs. Hope that helped.

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[EJackBauer8]

Well I went to a sports bar last night got drunk and watched the Spurs beat the Mavericks. It was a pretty fun night.

 

[mymmeryloss]

Well I went to a sports bar last night got drunk and watched the Spurs beat the Mavericks. It was a pretty fun night.

Arent you like 12 years old?

 

[Bhikku]

12 year olds gotta get drunk too

 

[Osiris19]

Had the am crunchwrap from taco bell for breakfast. Besides the sauce they put in it, it's pretty good

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[Bhikku]

Had the am crunchwrap from taco bell for breakfast. Besides the sauce they put in it, it's pretty good

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what does it i have in it? some of those breakfast things at taco bell look like good hangover cures

 

[TokyoSkies]

I literally have never even owned a credit card. That's how much I don't have established credit. I've been denied a credit card and a loan for this reason.

You have two choices, then: go to a jewelry store, open a credit line (you won't be denied), buy yourself something pretty, and wait it out to build credit.. or you can get a secured card (as mentioned above), pay on it for about a year, then try again. If you have a co-signer and want the car, you should be fine that way.

what does it i have in it? some of those breakfast things at taco bell look like good hangover cures

Taco Bell = $5 colonic man. In and out in 5 minutes.

 

[Bhikku]

Taco Bell = $5 colonic man. In and out in 5 minutes.

lol yeah i can't eat the ground beef from there, it goes through faster than six beers would lol

 

[XpL0d3r]

Well I went to a sports bar last night got drunk and watched the Spurs beat the Mavericks. It was a pretty fun night.

Saw your snaps lol. Looks like you had a good time!

Had the am crunchwrap from taco bell for breakfast. Besides the sauce they put in it, it's pretty good

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Been wanting to try that. One of these days...

lol yeah i can't eat the ground beef from there, it goes through faster than six beers would lol

I had Taco Bell for dinner and a huge bowl of Cheerios for a snack that same night. Woke up at 4:30 in the morning and ruining the bathroom in a matter of seconds.



I'm pricing out powder coating my wheels (glossy white), along with finally lowering the RSX. Thinking Progress Coils.

Also got my motorcycle tire today. Came with a front tire -- good tread but old.

 

[Osiris19]

what does it i have in it? some of those breakfast things at taco bell look like good hangover cures

Bacon, sausage, or steak, eggs, hash brown, wrapped up in a tortilla, with this spicy sauce s**t I didn't like.

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[Bhikku]

I'm pricing out powder coating my wheels (glossy white), along with finally lowering the RSX. Thinking Progress Coils.

Also got my motorcycle tire today. Came with a front tire -- good tread but old.

Your RSX is blue right? Glossy white wheels would look pretty sick with that.

Bacon, sausage, or steak, eggs, hash brown, wrapped up in a tortilla, with this spicy sauce s*** I didn't like.

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sounds decent actually, it'd probably give me hellish heartburn though

 

[Osiris19]

Your RSX is blue right? Glossy white wheels would look pretty sick with that.



sounds decent actually, it'd probably give me hellish heartburn though

Nah, its just eggs and bacon. Unless you already get heartburn from them, its not bad. I didn't feel anything after I ate it

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