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Angel [Mariah's Mommy] 1 child; Indianapolis, Indiana 18065 posts
22nd Apr '13

They will take your trade as a down payment, at most places. You're bound to get approved somewhere, but you might have a crazy high interest rate.

user banned California 36390 posts
22nd Apr '13

<blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting Pusherman:</b>" ... [snip!] ... credit. Many apartments check credit, buying a car, even some jobs have started now. It's just part of American life now."</blockquote>




Which I understand but until now, we haven't been in a position where we could afford a car payment. We still can't really but we no longer have a choice.

user banned 2 kids; Silly, Belgium 6539 posts
22nd Apr '13

<blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting J+D=4:</b>" yeah I have no credit.. everything is and has ... [snip!] ... DH just got denied a CC because....he was reported as being dead. Same name as his grandpa who died YEARS ago."</blockquote>




Did you contact the credit bureaus and clear up the misunderstanding? A good place to start is go to www.annualcreditreport.com, download, print, lookover and file your reports. Immediately dispute anything that doesn't look right. A financed vehicle is a good way to build credit, but not the best starting point due to aforementioned interest rates. You can get a credit card, a capital one classic platinum or check with your bank/credit union about getting a secured card. Use it to buy gas or groceries and pay it off every month. 6-12 months you can graduate to a card with 'perks' like miles, cash back, 0% interest for the first year, etc. But always keep your first line of credit open. Age of credit is a very crucial determining factor in credit scoring. Then you'll be in good shape within the next couple of years to get a new car, low monthly payments, low APR and zero down. It's worth it in the long run.

Shannon +4 Due February 16; 52 kids; Beaumont, Alberta 7730 posts
22nd Apr '13

<blockquote><b>Quoting A&J. ♥:</b>" <blockquote><b>Quoting Married with children AIO:</b>" Ford approved us where no other ... [snip!] ... get approved elsewhere but I was okay with that because my whole family drives fords and I'm used to driving them as well"</blockquote>



We then took our ford to dodge a year later and traded for a new dodge caravan we hated our ford we had a new ford focus then traded for the fushion but they were falling apart! So we went and got the van

user banned California 36390 posts
22nd Apr '13

<blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting J+D=4:</b>" ... [snip!] ... within the next couple of years to get a new car, low monthly payments, low APR and zero down. It's worth it in the long run."</blockquote>




We have to get a new car. I'll have DH.go to the bank maybe tomorrow to apply for a credit card

Angel [Mariah's Mommy] 1 child; Indianapolis, Indiana 18065 posts
22nd Apr '13
Quoting Teenage Girl:" <blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" ... [snip!] ... run."</blockquote> We have to get a new car. I'll have DH.go to the bank maybe tomorrow to apply for a credit card"


You should apply for a car loan through your bank too you might have better luck there than at a dealership

user banned 2 kids; Silly, Belgium 6539 posts
22nd Apr '13

<blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" ... [snip!] ... now, we haven't been in a position where we could afford a car payment. We still can't really but we no longer have a choice."</blockquote>



That stinks. What kind of SUV do you have? Year and mileage? Would you consider a salvage title? You could likely buy one upfront by trading your SUV and it would last until your credit is good enough to buy the car yoy want and are in a better place financially. I know some guys who do salvage exports with auction cars (dealer license) out of NJ and ship them to the middle east. Often times, the salvage was purely cosmetic body work.

user banned 2 kids; Silly, Belgium 6539 posts
22nd Apr '13

<blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" ... [snip!] ... run."</blockquote> We have to get a new car. I'll have DH.go to the bank maybe tomorrow to apply for a credit card"</blockquote>




Cool, but be careful about applying for too much credit at once, hard inquiries mess with your score. I'd pick one-car payment or unsecured credit card.

user banned California 36390 posts
22nd Apr '13

<blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting Pusherman:</b>" ... [snip!] ... cars (dealer license) out of NJ and ship them to the middle east. Often times, the salvage was purely cosmetic body work."</blockquote>




It's a Ford Explorer. I.have no idea what a salvage title is

Angel [Mariah's Mommy] 1 child; Indianapolis, Indiana 18065 posts
22nd Apr '13
Quoting Teenage Girl:" <blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" ... [snip!] ... the salvage was purely cosmetic body work."</blockquote> It's a Ford Explorer. I.have no idea what a salvage title is"


A title to a car that has been totaled out.

user banned 2 kids; Silly, Belgium 6539 posts
22nd Apr '13

<blockquote><b>Quoting Teenage Girl:</b>" <blockquote><b>Quoting Pusherman:</b>" <blockquote><b>Quoting Teenage Girl:</b>" ... [snip!] ... the salvage was purely cosmetic body work."</blockquote> It's a Ford Explorer. I.have no idea what a salvage title is"</blockquote>




It's a car that was either in an accident, flood or other 'act of god' that the insurance company estimator deemed the cost of repair to exceed a certain percentage of the fair market value of the car. Then, to offset costs, they sell it in an auction as either scrap metal or salvage. Some guy buys it dirt cheap, fixes it up, then sells it to you.