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So I got approved for a loan...
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11-14-2005, 10:43 PM
and it is enough to buy a decent ride...... :lol:
2017 Mineral White BMW M240i Cabriolet
2014 White Platinum Pearl Explorer Sport Living in the Alamo City. 210
11-14-2005, 10:47 PM
is it a PAD? How much? Did you decide on something?
When it comes to Ryan Jenkins, the story ends with me putting him in the wall.
2009 Speed Triple | 2006 DR-Z400SM | 1999 CBR600F4 | 1998 Jeep Cherokee -Ginger 
11-14-2005, 11:53 PM
Rob if this is another "what car should I buy" thread, I swear Im going to burn your house down.
11-15-2005, 12:03 AM
What is a decent ride? A yugo? a miata? a m3? a escalade?
If you have to stretch your budget to make a $400/month car payment happen its not worth it. Dont forget insurance, gas, maintenance - all part of the picture. otherwise, i agree with evan. 
11-15-2005, 12:14 AM
Nice dude.
Buy my WRX!
Posting in the banalist of threads since 2004
2017 Mazda CX-5 GT AWD Premium Past: 2016 GMC Canyon All Terrain Crew Cab / 2010 Jaguar XFR / 2012 Acura RDX AWD Tech / 2008 Cadillac CTS / 2007 Acura TL-S / 1966 5.0 HO Mustang Coupe 2001 Lexus IS300 / 2004 2.8L big turbo WRX STI / 2004 Subaru WRX / A couple of old trucks
11-15-2005, 12:25 AM
Congrats Feersty. Let's give him a chance to elaborate. (Don't let me down Rob.)
Two feet.
11-15-2005, 12:32 AM
ha, preapprovals! christina and I got approved for 800k for a home loan 2 years ago, I couldn't IMAGINE paying an 800k mortgage!
11-15-2005, 05:31 PM
asteele2 Wrote:is it a PAD? How much? Did you decide on something? PAD? I'll PM you with what I am looking at, I don't want to annoy everyone again. This was merely a loan preapproval announcement.
2017 Mineral White BMW M240i Cabriolet
2014 White Platinum Pearl Explorer Sport Living in the Alamo City. 210
11-15-2005, 05:33 PM
PAD = Preapproved. They give you a blank check not to exceed a certain amount. Thats how my credit union does things. Also, if you dont use it in 30 days (I think) its void, so I havent bothered with one unless I've found a car I know I want to buy.
If its just a preappoval with no $$ or check associated with it, then its basically worthless and you've just wasted your time. What is your credit like? good, bad, indifferent, none? parents co-signing?
11-15-2005, 05:40 PM
zero credit, parents co-signing.
2017 Mineral White BMW M240i Cabriolet
2014 White Platinum Pearl Explorer Sport Living in the Alamo City. 210 
11-15-2005, 05:55 PM
Feersty Wrote:zero credit, parents co-signing. why no credit? having good credit down the road is helpful, and as long as you don't abuse the card it's pretty damn convenient.
2010 Civic Si
2019 4Runner TRD Off-Road -------------------------- Past: 03 Xterra SE 4x4 | 05 Impreza 2.5RS | 99.5 A4 Quattro 1.8T | 01 Accord EX | 90 Maxima GXE | 96 Explorer XLT 
11-15-2005, 06:03 PM
ScottyB Wrote:... and as long as you don't abuse the card :hammer:
'19 Golf R
Intro J Ray's Top Ten Previous: '99 BMW Z3 2.8L | 2019 Honda Ridgeline | 2010 VW GTI | 2008 CBR 600RR | 2005 Nissan Titan SE King | 2003 Honda CBR 600RR | 1998 Integra RS | 1998 Suzuki GS500e | 1999 Honda Civic Si | 1986 VW GTI 8v
11-15-2005, 06:07 PM
I'm gonna hijack this beotch..
does anyone have good reccomendations for a first credit card, I'm pretty much clueless about that kind of stuff. I have bills, etc in my name but no loans, etc that would build my credit. I trust myself with a credit card, as I usually buy all my crap in cash after working, save a little, etc... So long as the credit card never makes into a bar I'll be fine  I dont even get applications or pre-approval's in the mail, its like they dont even wanna ruin my credit..
11-15-2005, 06:09 PM
Advice to anyone wondering about credit - pull your report. You can do it for free, once a year from <!-- m --><a class="postlink" href="http://www.annualcreditreport.com">http://www.annualcreditreport.com</a><!-- m -->.
My two feet.
11-15-2005, 06:11 PM
i'm getting in trouble with mine. Just read the fine print regarding apr. I have 0% on purchases till 2006 - i've had it since July. I just charged too much to it (Motorcycle and Insurance Deductibles ($500/ea)). but i did need to use it for those.
Just look for ones with lower rates (<10%) after the trial period and ones with benefits (frequent flier miles, cash-back, gift rewards,...etc). Stay away from Store CC's - i know Best Buy's rates are near 20%..? something crazy. CC's are great if you use them properly - i'm learning the hard way and i'm writing LARGE checks in the coming months (fo-digits yo).
'19 Golf R
Intro J Ray's Top Ten Previous: '99 BMW Z3 2.8L | 2019 Honda Ridgeline | 2010 VW GTI | 2008 CBR 600RR | 2005 Nissan Titan SE King | 2003 Honda CBR 600RR | 1998 Integra RS | 1998 Suzuki GS500e | 1999 Honda Civic Si | 1986 VW GTI 8v
11-15-2005, 06:12 PM
JohnC Wrote:Advice to anyone wondering about credit - pull your report. You can do it for free, once a year from <!-- m --><a class="postlink" href="http://www.annualcreditreport.com">http://www.annualcreditreport.com</a><!-- m -->. for some reason when i went through them i couldn't get my actual number - i paid $6 with TransUnion.com to have it performed.
'19 Golf R
Intro J Ray's Top Ten Previous: '99 BMW Z3 2.8L | 2019 Honda Ridgeline | 2010 VW GTI | 2008 CBR 600RR | 2005 Nissan Titan SE King | 2003 Honda CBR 600RR | 1998 Integra RS | 1998 Suzuki GS500e | 1999 Honda Civic Si | 1986 VW GTI 8v
11-15-2005, 06:16 PM
theguywiththeSi Wrote:JohnC Wrote:Advice to anyone wondering about credit - pull your report. You can do it for free, once a year from <!-- m --><a class="postlink" href="http://www.annualcreditreport.com">http://www.annualcreditreport.com</a><!-- m -->. The FICO score isn't provided - that you *do* have to pay for. But the actual report (listing current/past accounts, lien holders, collections, etc) is really what matters if you need to fix something.
My two feet.
11-15-2005, 06:35 PM
$6 for your fico score is a great deal, where did you get that?
most sites want $30
11-15-2005, 06:40 PM
Evan Wrote:$6 for your fico score is a great deal, where did you get that? it says $30, but go for the free credit report and then they give you an option to find out your actual score for $5.95. I went to the site and it marketed $29.95, i'll check which exact process i followed and i'll PM or IM you with it.
'19 Golf R
Intro J Ray's Top Ten Previous: '99 BMW Z3 2.8L | 2019 Honda Ridgeline | 2010 VW GTI | 2008 CBR 600RR | 2005 Nissan Titan SE King | 2003 Honda CBR 600RR | 1998 Integra RS | 1998 Suzuki GS500e | 1999 Honda Civic Si | 1986 VW GTI 8v
11-15-2005, 06:45 PM
navin Wrote:does anyone have good reccomendations for a first credit card, I'm pretty much clueless about that kind of stuff. I have bills, etc in my name but no loans, etc that would build my credit. anything other than a card that is backed by MBNA, they suck BIG time, oh and get a FIXED rate, not a 'floating' rate. Sure as shit the one month you can't pay off the whole thing, is when your rate goes up! |
