im now fully enrolled fulltime student in electronics eng. on a transfer track to clemson university.. i may about 1000$ a month, and my girl makes about 1200....
first off, should i combine our income.. it says combined household income and shit.. or income "to base what we think u can payback" of of basically.. so why woudln't that include her considering all our money goes into one account.. joint checking ect.. so can i combine our cash, or will i get in trouble?
another thing... is it a good idea in general, and what company should i go with...
i just applied for a bank of america card and used my income only, cuase it said as long as you have 200$ left after ur bills in ur name and no major credit problems u will be approved.... well
1000-
289 truck payment-
80$ cell bills-
thats is lol.. car is 333$ but its in my parents name.. pretty soon we'll have an apartment nad utitilities.. but we make enuff and we'll survive.. only reason i was doing this was to BUILD MORE CREDIT lol
i had a marks and morgan jewlers credit card among other things. best buy card ect ect.. but all of that was piad off.. ive never paid anything late in my life! course im only 20, but ive had my new truck in my name for 10 months, and its a hemi dodge ram.. hell i even got a 7% intrest rate better then my parents would have! AND I GOT TURNED DOWN??? WTF???
perhaps they didn't think they'd make enuff money off me unless they charged me extra for late payments and shit.. ill admit im pretty pissed
got a link.. im filling that bitch out.. 3000$ would get me the 12 bolt i need so i dont break and not have a way to school.... shit! not to mention buy me and the girl some new clothes lol...
and before yall say spend responsibly i was about to purchase a kia new for anywhere b/t 5-10k to save gas and such.. but a 12 bolt is only 2k
I think if I max it out the minimum is like $75 a month.
Interest rate was 0 for 6 months and then 16%.
Also, just because I got $3000 limit doesn't mean you will. I've had some student loans with Citibank for a few years so I already had some credit history with them, even though I didn't have any credit cards.
well while im in school ill be pulling in about 2000$ a month all together anyways, along with having had like i said perfect spotless credit.. enuff to get a 16k loan on a truck with only a 7% intrest rate... i should get approved for a good amount you would think.
anyways i would maybe check into loans, but in south carolina we have lotto money that pays for everyones two year tech school stuff.. so my first two years are covered besides books.. now i need to get a good gpa while im there to maintain it and to get some scholarship money for hte 4 year school... gonna be hard.. but i dont wnat 30k in student loans when all said and done
now i need to get a good gpa while im there to maintain it and to get some scholarship money for hte 4 year school... gonna be hard.. but i dont wnat 30k in student loans when all said and done
That's a good plan.
I had some scholarships when I started but made the mistake of not studying enough my first two years and lost them.
Doing better now but it's definitely much easier if you start out right.
yea... well i fucked up in higschool... had awesome sats my sophmore year good for anywhere in the country... but managed a 2.3 gpa lmao...
Too much beer?
Quote:
Originally Posted by LS1_PNYTAMR
so greenville tech and a good gpa in the freshmen and sophmore equivalent classes with my sat's will atleast get me in the door ...
I know someone there. (Georgia Tech here). Seems like a fairly good school for the programs they have. And if you do well and you should be able to transfer somewhere else for a 4 yr.
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my credit sucks ass. and I have no idea why. I am 22, have no late ANYTHING on my record, have had four credit carsd, all of which I paid off numerous times and closed, and now have one with citicard, and a credit limit of only $1200. It's fucking ridiculous really. I get turned down for loans for school and such all the time. I don't know what the fucking deal is, because all my buds are buying car and houses and shit, and I can't even get an extension beyond 1200. Never been delinquent on a god damn thing. If I ever meet Equifax or transunion in person I am going to throttle them until they beg for mercy.
That could be why. Closing a lot of accounts is generally a bad idea because you lose the credit history they provided. If those accounts improved your score when you had them then closing them could have lowered it.
Location: the land where cars repeatedly hit my bumper when I'm in the store...
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Quote:
Originally Posted by futurefbodyownr
That could be why. Closing a lot of accounts is generally a bad idea because you lose the credit history they provided. If those accounts improved your score when you had them then closing them could have lowered it.
WHAT? I thought closing an open revolving account was good for your credit??? This is probably why my credit sucks, because I obviously have no idea what the fuck is going on... ugh. any further elaboration would be most appreciated. (while not hijacking thread of course!)
Check this out Free credit reports to everyone in the country, once every 12 months, without having to sign up for a bunch of junk: http://www.annualcreditreport.com/
via a law that was enacted last year but took a while to take effect, spread over different parts of the country (eastern states don't qualify till September 1, 2005, but everyone else can get them right now)
Revolving credit with high balances on multiple cards will hurt. If you pay all 4 off, maybe close the one with the highest APR and let the others chill. Put gas or something small on them once in a while and pay it asap. That looks better to creditors then closing the card, weird.
I got my free credit reports last week.
I started with a 1st Finacial Bank student car and they have treated me great ever since I signed up with them. They are also very libral with their credit lines which is good and bad. I think they started me at $2,500 or so.
I also use Bank of America and Providian. Both have awesome service and great online banking. Providian's site even gives you your credit score, snap shot of your payment history, and credit advice on how to make it better.
If you get offers from Chase, don't take them. They will bombard you with calls to get you to sign up for stuff. And even when you don't sign up for stuff they put you on their payment protector plans that cost additional money anyway. In all they signed me up for 3 additional plans that cost more. I had to call and be an asshole to the floor manager to get them taken off and get my money back. I hope they recorded that call since I don't usually use words found in a common dictionary.
Banks seem to like to see open accounts. I have 5 major credit cards and acouple of smaller gas cards along with 3 car loans (also have 2 paid off loans on my record). My credit score has never been better and I have never had trouble getting loans. I think my credit score was mid-high 700s last time I checked, not to bad for a 22 year old. Just don't keep your cards maxxed, my score dropped into the low-mid 600s when I was using over 75% or my revolving limits.
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Location: the land where cars repeatedly hit my bumper when I'm in the store...
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Quote:
Originally Posted by VSGLS1
Revolving credit with high balances on multiple cards will hurt. If you pay all 4 off, maybe close the one with the highest APR and let the others chill. Put gas or something small on them once in a while and pay it asap. That looks better to creditors then closing the card, weird.
I got my free credit reports last week.
Thanks man, good info. And Gm Muscle too. Wow so I've basically fucked myself over. I think my cred is down in low 650's. UGH. Checking out that free credit site...
Check this out Free credit reports to everyone in the country, once every 12 months, without having to sign up for a bunch of junk: http://www.annualcreditreport.com/
via a law that was enacted last year but took a while to take effect, spread over different parts of the country (eastern states don't qualify till September 1, 2005, but everyone else can get them right now)
Do they provide you with your true score or fako scores?
Deech - nope, annualcreditreport is just the list-reports from the three credit bureaus, not the numerical FICO score
GM Muscle - Wow, looks like might be worth getting a card with Providian just to get to see your FICO score free whenever you want! http://www.providian.com/cmc/fico_score.htm
E-Loan lets you see your score for free one time when you first sign up online with them, but then you have to pay if you want to see an updated one after that first time. http://eloan.com/s/show/checkcredit?...t&user=&mcode=
I think the score should have been included in what the law required to be offered for free annually, though.
The FICO Providian supplies in mainly from TransUnion but they also use Experian to track delinquencies and and account info. They even track it every month and put it on a graph for you. If you want to see detailed info from all three you do have to pay them though.
If your really intrested, Providian was offering 0% for a year (on transfers too). So look out for that offer.
Brad, I didn't think a mid 600 score would hurt you to bad when it comes to things like cards and auto loans. Mine was at that mid 600 point when I bought my Silverado that I really couldn't afford at the time. I have done alot of business with that bank though so that might have helped. If I where you, I would get a card or two and hold them at 25-50% of the limit or bring them to the limit every other month and then pay them down. Having cards and not holding a balance will actually bring down your score, especially if they are higher limit cards. Also opening an account at a credit union would probrably help you with loans. That's the only way I could get a loan for my Camaro when I was 18. Nobody would touch me without a co signer since I was so young, then I joined a credit union and they gave me a loan no problem.
Last edited by GM Muscle; 07-02-2005 at 06:20 PM..
student Visa card for college? 
Free credit reports to everyone in the country, once every 12 months, without having to sign up for a bunch of junk: 
