projekteg

my boy just got an 01 is for 24k with the pop up navigationn and everything, pearl white, that bitch is sweeet! 24k really aint that much, you won't have a 700 dollar payment, that's for sure.......

OnYx

i couldent immagine a $300 car payment...

rexracer

Doc, if you want a Lex I'll sell you my IS300. I don't want the damn thing anymore. The dealerships suck *** for customer service around here. If you're gonna get a new car and want to stay in the Lex price range, get the C320.

d16forlife

Bairley over 500.I had a bankrupcy(sp ) about 5 years ago.They got a hold of me young and at 23 I was about 36k in the hole .So now Im trying to get back up there.Thank god I was able to buy my house at a low %(5.75%) .No credit cards for me though.The only thing I have on credit is my house and my truck wich Im selling soon(the truck).My motto is "if I cant pay for it cash,I cant afford it!".Thank god I make good money

Dr.Boost

Well, that would be the automatic version and I couldn't make myself buy the automatic. The payment would be $700 for a new one(with a 5 speed)and the navigation.


Doing that really doesn't affect your credit rating at all. I like it when people say they have bitchn' credit because they pay the bill every month. It really doesn't matter either way, unless you have a $15,000+ balance. The credit card company doesn't like you to pay it off every month, but it doesn't give you good or bad credit. They might not give you a higher credit limit any time soon, but who needs a high credit limit?

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projekteg

yeah, i got worked young :P i've never had a credit card, but i had a repo on a car when i was 18, i even paid it off, but it still shows a repo, then i had knee surgery and my employer cancelled my insurance that's about 35k in debt, and miscelaneous ---- (phone bills, utilities, etc.) from when i sold drugs and didn't give a ---- about anything. now, i'm 22 and have a wife and baby, and my interest rate on my xterra is 11%, the interest rate on my si is 18%, and the interest rate on the house i'm about to buy is 9.06 (high as hell for a house). so i have a year to make all my house payments on time and clean up my credit a little and i'll be able to refinance, hopefully by the time i'm 25, i'll have all this ---- off my back. in other words, there isn't a single second in the day that i don't have something to worry about

davcivic

I fucked up in college, I got all the credot cards the offered and used them like nothing. Soon I found myself on like $10,000 in debt and I didn't even spend it on my car . But I've paid most of them, and have never been late for any payment ven if it is the minimum payment. I guess my credit is ok, I just bought my Subaru WRX, and I asked the guy for my credit score, and he told me it was at 648, not great but good enough to buy the car.

In our society you need credit to live. Try buying a house with no credit. Not going to happen, anyone without any credit should at least get one card an pay it every month, that way, you won't pay any interest, but you will build some credit.

dragon

My credit started real good when i was 18. I open a checking account and then paid of a cell phone contract and i was pretty good around 650 for just being 19. i was elgiable to but 4 cars from diffrent car dealers. I bought 99 ex instead of the 2001 celica because it cost less. Im paying 265.48 a month for my car and i pay that 2 weeks in advance. I have a cc for best buy and that about it. I say im fair. Im also paying off school. Pretty good for a young black man huh?

racerex

You need to have a balance on your card for six months for it to affect your credit rating. Although paying it off immidiately is the best thing you can do to avoid interest, if you want to build your credit you should have at least one card where you make a reasonable size purchase, then make the at least the minimum payment for six months, then pay it off.
Dr. Boost: close some of your cards to improve your credit. I assume that since you are about to pay off your car you have plenty of equity that you will use as your down payment on the Lex. The bigger the down payment, the lower your payment and interest rate.

beerbongskickass

My FICO score is 727.