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Thread: How do I build my credit without loan?

  1. #1
    Maximum Bitrate nFiniteTuning's Avatar
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    How do I build my credit without loan?

    Well, I went to go get financed for a 2004 RX8 instead of the Evolution. Turned out my credit dropped 100 points from last year. I asked them wtf was with that...and they told me that inactivity with your credit, lowers your credit. And so I can no longer get financed for a damn new car. They say if my credit was the same as it was a year ago, they would have signed me up right away.

    So I'm forced to go with a Used car. I found a nice 6 year old car that I LOVE. And would kick the evolution and rx8's ***... '99 WS6 30th Aniversary Trans Am Pace Car! 15grand! But the finance charges are going to be high unless I can bring up my credit score before I buy it in a month or so. I allready found out a legal cheat around the finance charge, so I'll be paying the car off in half the time, and with half the percentage.

    But I need to know how to bring it up...any credit people in here? Any tips welcome!
    -Josh
    1997 Mitsubishi Eclipse GSX
    My URL: https://www.facebook.com/jagray85

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  2. #2
    My Village Called 0l33l's Avatar
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    Hold on... you said you wanted a reliable car? Well, this isn't it
    The 99 trans-am has the same reliability rating as a 96 dodge neon...

    All according to edmunds.com

  3. #3
    Maximum Bitrate nFiniteTuning's Avatar
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    I want a fun car. I allready own 2 reliable cars.
    -Josh
    1997 Mitsubishi Eclipse GSX
    My URL: https://www.facebook.com/jagray85

    XBOX: DarkerStars

  4. #4
    My Village Called 0l33l's Avatar
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    Quote Originally Posted by nFiniteTuning
    I want a fun car. I allready own 2 reliable cars.
    Didn't you say you wanted to get the EVO to have a reliable car? I don't really consider an old accord with no engine as a car.

    Plus, the trans am is ugly, very very ugly IMO. It looks like a riced out civic with those two damn nostrils and painted headlights

  5. #5
    Maximum Bitrate nFiniteTuning's Avatar
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    I own a 96 Dodge Stratus and a 87 Honda Accord. Right now the Stratus just got a new clutch, the accord is getting a brand new engine rebuild. The engine on the accord was allready started, but I pulled the engine back out to do some custom shtuff to it. I can't get rid of the accord..but I can't drive it all the time any more. I'm soo bored with it. I wanted the evo because its fun....and new. And shouldn't have to be fixed for a VERY LONG TIME. The Trans Am shouldn't either, Domestic cars are soo easy to work on.

  6. #6
    My Village Called 0l33l's Avatar
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    Quote Originally Posted by nFiniteTuning
    And shouldn't have to be fixed for a VERY LONG TIME. The Trans Am shouldn't either, Domestic cars are soo easy to work on.
    While the trans am may be easy to work on, you'll be working on it for quite a while according to the ratings. I'm pretty sure that there are many other cars that are just as fun to drive, and cost around the same but actually come with reliability ratings of over 3/5

  7. #7
    Maximum Bitrate nFiniteTuning's Avatar
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    Every person i've spoken to who's owned one, has said they are very reliable and haven't had any problems with them, even after they supe them up.

    Name a good fun car, thats 99 and up....thats reliable? I can't think of anything. I wanted the evolution soo bad, but My credit isn't enough. So I tried a RX8...my credit wasn't high enough. So the price has to be under 21. Scion tC is an option...but its FWD and only has like 140hp.

    The T/A is extreamly friggin powerful, fun with a 6spd...and is a collectors car. A Peice of history. (Its one of the real pace cars, not a replica)

    Only other car I can find that would interest me is rice. Or a regular...extreamly plain WRX. But I dont see that as a car that is reliable. concidering my friend owns one.

    All the other cars I really want, are too expensive until I build up my credit...and that will take a year....which when I pay off this car (whatever it may be), I'll be giving it to my wife and gettin a new car for myself....so thats possible for a 2008 Evolution

    Right now I just need to get my finance rate down before I get it so I dont have to pay 3k in finance charges.
    -Josh
    1997 Mitsubishi Eclipse GSX
    My URL: https://www.facebook.com/jagray85

    XBOX: DarkerStars

  8. #8
    My Village Called 0l33l's Avatar
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    Quote Originally Posted by nFiniteTuning
    Every person i've spoken to who's owned one, has said they are very reliable and haven't had any problems with them, even after they supe them up.

    Name a good fun car, thats 99 and up....thats reliable? I can't think of anything. I wanted the evolution soo bad, but My credit isn't enough. So I tried a RX8...my credit wasn't high enough. So the price has to be under 21. Scion tC is an option...but its FWD and only has like 140hp.

    The T/A is extreamly friggin powerful, fun with a 6spd...and is a collectors car. A Peice of history. (Its one of the real pace cars, not a replica)

    Only other car I can find that would interest me is rice. Or a regular...extreamly plain WRX. But I dont see that as a car that is reliable. concidering my friend owns one.

    All the other cars I really want, are too expensive until I build up my credit...and that will take a year....which when I pay off this car (whatever it may be), I'll be giving it to my wife and gettin a new car for myself....so thats possible for a 2008 Evolution

    Right now I just need to get my finance rate down before I get it so I dont have to pay 3k in finance charges.
    I guess you made up your mind already. Good luck.

    About the financing... I think there were a few threads about that on www.clublexus.com.

  9. #9
    MySQL Error Scouse Monkey's Avatar
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    so after all that discussion about the Evo and how you could afford it etc etc and wanted the Evo as it was your dream car you settle for that for $15K!!!!

    OMG!

    I would take it as fate that your credit stopped yo buying the Evo as it knew it would be a big mistake. I just thought you would have gone out and bought an older Evo and settled for that or just waited a while. You have your Honda so why do you need to go buy a nother car. Personally if I needed to boost my credit I would go do something sensible like buy a house and stop wasting money on rent.

    I think i am being ambitious saving up for my new car - was gonna be a WRX but now thinking i might do something far more sensible and grown up and get a Merc C-Class - far more bling, lower depreciation and the best build quality Germany has to offer.

  10. #10
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    Quote Originally Posted by 0l33l
    While the trans am may be easy to work on, you'll be working on it for quite a while according to the ratings. I'm pretty sure that there are many other cars that are just as fun to drive, and cost around the same but actually come with reliability ratings of over 3/5
    Indeed, and according to Consumer Reports, Camaro/Trans Am have by the far the worst reliabitlity... even worse than the Mitsu Eclipse (previous gen) Something to think about.

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