I just got rejected from leasing a Hyundai.
>>29030235Try Chrysler or Nissan next
>>29030241My credit is like 450.
>>29030235walk into the dealership and give the manager a firm handshake
>>29030244I can get you in a new Jeep today.
>>29030284no you can't
>>29030286new to you, I mean.
>>29030244based
>>29030244So, you're a nigger.
>>29030235How do people even get a low credit score? I’m a youngfag and I’ve never looked at mine but if you just pay off your credit card every month and don’t get your house/car repossessed shouldn’t you be fine?
>>29030523I had shit credit until my early 30s. I didn't have any loans or credit cards. I didn't even have a debit card or bank account for much of that time. I only found out about it when I wanted to lease a house and was denied for bad credit. When I investigated, I found out that there were some small debts that went to collections, like AT&T saying I owed them $30 for a month of phone service that I guess I didn't pay when I moved out of a previous address, or a lab test that a doctor ordered without telling me and now the lab wants $100. Because I didn't have any credit cards or loans building up a positive credit history, my only record was these bad debts, and it resulted in a bad score.
>>29030543Should've kept an eye on your goy score
my car got repod while i was in the hospital and my score went from 800ish to currently 580. such bullshit. fuck you BECU. also the repo niggers stole my accessport, dashcam, and a bunch of tools.
I'm going to have 0 credit score soon when my paid off house loan drops it in a few years.Poor people are gross.
when you go to the buy here pay here lot make sure to get a corolla or a camry
>>29030235>33>845 credit score>Every car dealer gave me 9% rates>Every bank came back with 8.9%>Just accepted 9% and paid it off after 90 days Weird shit afoot these days.
>>29031739Neo liberalism on meth
>>29031739good credit isn't rewarded anymore they simply fuck you less
>>29030244i kneel, nigger-sama.
>>29030244cmon man mines in the 700s and i'm a disabled alcoholic with schizophrenia
>>29031739>Just accepted 9% and paid it off after 90 daysYou just lowered your FICO by doing that, as hardly any Interest payments (Economic Rent) were paid.But as you indicated, it wasn't really serving you anyway.
>>29030244YO HOMEY YO GOOD MAYNE
>>29030244in china we dont have credits
>>29031958My score wasn't affectedThat was almost a year ago.I made sure to wait 90 days so that the dealer wouldn't get all fucked over by the lender.
>>29032001china has social credit we know about it
>>29031739Right off the bat, the fed interest rate is 3.6 percent. Then there's inflation for another couple percent and then their profit so something around 9 percent is about where I'd expect the bottom retail rate to be. Wars and inflation. It's like the 70's all over again.
>>29031958>You just lowered your FICO by doing thatNot how it works and idk why so many of you poorfags thinks it does work like this.>t. 833 credit core
>>29032851>Not how it worksOk moron...>poorfagsNot how it works, lol.Income has little to do with FICO score.A demonstrably consistent and lengthy history of payments, for which the Interest portion is the actual Income of said Creditor, is how a majority of your Score is craftedYou're clueless.I could have $30,000 income and an 850 FICO
uh, paying early absolutely sabotages credit score. goy score thrives on not paying early and only paying on time.
>>29032921>>29032918paying early doesn't hurt your credit score, you are financially illiterate.
>>29032921I'm pretty sure that's not how that works anon.But what would you know about loans? you've never taken one out before
1. such a broke piece of shit you can't lease a hyundai2. such a fucking retard who knows nothing about cars that you would consider leasing a hyundai3. "im a dumb faggot here's something embarassing about myself please dont bully me but cute cat pic!!" threadyou should unironically be put in a prison camp and worked to death for the rest of your life
>>29030235Cute thread nigger nonny
>>29032684that's a lie thoughbeit
>>29030244>My credit is like 450.You basically have to not pay a single bill to get that score. How will they trust you to pay any recurrent charge?
>>29031739They're using prime and super-prime borrowers to pay off their horrible bets on letting anyone with a pulse get a loan over the past six years.
>>29031739have you tried credit unions?banks are dogshit and stealership partner with the shitties ones to get a kick-back for getting a sucker hooked on high APR for loans approaching 3 digit numbers of months unless they're running deals but of course they don't run 2% APR specials on cars they can move off the lot reliably and if they aren't moving off the lot it's usually for a good reasonthe credit unions I use have approved me for no more than 5.5%
