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Joined: May 2001
Posts: 8,770
Smurfette
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Smurfette
Joined: May 2001
Posts: 8,770 |
If I were you, I'd hit up a close friend or relative, as was suggested. Besides, can the seller of a car also be a cosigner on a loan? that just seems weird to me. If the buyer goes delinquent, the seller basically has to payback the money that was paid to him for the car?  
Kim
1995 Contour GL
Needs less "needs more"
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Joined: Dec 2001
Posts: 3,788
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Dec 2001
Posts: 3,788 |
The only other thing I can think of... if a seller is willing to accept payments from you then he/she will list themselves as a lien on the title. You default and they get the car back.
It's not always easy when you're trying to establish credit. The best thing I can recommend is what others have said, try a close friend/relative.
I wish you luck!
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Joined: Dec 2001
Posts: 6,910
Hard-core CEG'er
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Hard-core CEG'er
Joined: Dec 2001
Posts: 6,910 |
imho best way to get credit is to one be smart with your money and not spend more then what you have in cash
get a gas credit card, you can only really use them at that station and you need to get gas everyweek, make sure you pay in full. do this for awhile then expand to one other card for a year or two then get another if you feel the need
I did this, got a sunoco gas card because my parents were in good standing with their account. I used that for a year or two and when I finally applied for my first credit card i got double the minimum amount they said one could get. i got another card from a different company about a year or so later and with in the year had my limit doubled, and I have always payed in full every month, but then again I also just started paying on my school loan this year also ...
- 95 Mystique LS - Zetec/5spd
- 99 Contour SeVT Sport - Duratec/5spd
Official NE-CEG Contour/Mustang Family
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Joined: Sep 2002
Posts: 2,978
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Sep 2002
Posts: 2,978 |
Originally posted by BrApple:
imho best way to get credit is to one be smart with your money and not spend more then what you have in cash
get a gas credit card, you can only really use them at that station and you need to get gas everyweek, make sure you pay in full. do this for awhile then expand to one other card for a year or two then get another if you feel the need
I did this, got a sunoco gas card because my parents were in good standing with their account. I used that for a year or two and when I finally applied for my first credit card i got double the minimum amount they said one could get. i got another card from a different company about a year or so later and with in the year had my limit doubled, and I have always payed in full every month, but then again I also just started paying on my school loan this year also ...
I did almost the same thing. I have 4 credit cards and I use them all. I almost never pay cash for anything these days. It makes it easy for me to track what I am spending if I charge it. Pay them off totally at the end of every month. My car insurance now looks at credit rating, so I am happy with my current score =)
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Joined: Dec 2001
Posts: 6,910
Hard-core CEG'er
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Hard-core CEG'er
Joined: Dec 2001
Posts: 6,910 |
Originally posted by Slack Master Doug:
Originally posted by BrApple:
imho best way to get credit is to one be smart with your money and not spend more then what you have in cash
get a gas credit card, you can only really use them at that station and you need to get gas everyweek, make sure you pay in full. do this for awhile then expand to one other card for a year or two then get another if you feel the need
I did this, got a sunoco gas card because my parents were in good standing with their account. I used that for a year or two and when I finally applied for my first credit card i got double the minimum amount they said one could get. i got another card from a different company about a year or so later and with in the year had my limit doubled, and I have always payed in full every month, but then again I also just started paying on my school loan this year also ...
i ended up with 4 cc also, two gas cards and one visa and one mastercard ... payed in full every month
I did almost the same thing. I have 4 credit cards and I use them all. I almost never pay cash for anything these days. It makes it easy for me to track what I am spending if I charge it. Pay them off totally at the end of every month. My car insurance now looks at credit rating, so I am happy with my current score =)
- 95 Mystique LS - Zetec/5spd
- 99 Contour SeVT Sport - Duratec/5spd
Official NE-CEG Contour/Mustang Family
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Joined: Dec 2002
Posts: 4,016
Hard-core CEG\'er
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Hard-core CEG\'er
Joined: Dec 2002
Posts: 4,016 |
Um, wow, just wow! You gotta have some juevos to come at folks like that! 
2006 Mazdaspeed6
1997 Yamaha YZF1000R Thunderace
1996 Volvo 850-R
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Joined: Jun 2000
Posts: 5,854
Hard-core CEG'er
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Hard-core CEG'er
Joined: Jun 2000
Posts: 5,854 |
Originally posted by Murtaza:
Nice environment here
C'mon man, seriously. If you default on the payments, it's your cosigner's @$$ they'll come for. Aside from a repo'd car, why would anyone risk ruining their credit for you??
Don't take it so personally, just realise how out-there your request is.
I did a favor for a CLOSE FRIEND of mine once, and opened up a cell phone contract for him. What did I end up with in the end?? Constant late payment that I had to front him, and eventually a $600 bill + $200 for cancellation fees.
It just ain't worth it.
1999 Silver Frost SVT
#609 of 2760
Quaife, lightened SVT Flywheel, SPEC stage II clutch, removed resonator, k&n drop in - various other goodies too.
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