SoCal General Chat

[e30trooper]

if you ever want to buy a house you will need credit. i'm in considerable debt, but i'm always making payments and my score is in the mid-high 700s.

true , but i can show up with a big chunk of money direct then you can still get it. Again credit from credit cards is different credit for a house. Im in dept about 1500bux , but that didnt effect me getting a house. All credit is, is just showing you can make payments... You can build credit just by paying your bills in full on time. i fucked up back when i first got out of high school over 7 years ago. I fucked up by not paying my bills for a new phone , over drafting at the bank , and never paing for some bullshit at a tow yard. Fuck it , stacking cash is win. if you can show you got money you'll have a higher chance getting what you apply for.

[yert315]

if you ever want to buy a house you will need credit. i'm in considerable debt, but i'm always making payments and my score is in the mid-high 700s.

I hate how you have to go INTO debt to be able to buy anything. Ridiculous.

[rlddlr53]

Always seemed strange to me but its the system

I hate how you have to go INTO debt to be able to buy anything. Ridiculous.

[mkcman17]

just having a large down won't get you a house anymore. credit cards are very much similar to buying a house, the underwriters examine your records with scrutiny to decide whether or not that paper history will determine future remittance. again, renting a house is nothing similar to buying.

[e30trooper]

just having a large down won't get you a house anymore. credit cards are very much similar to buying a house, the underwriters examine your records with scrutiny to decide whether or not that paper history will determine future remittance. again, renting a house is nothing similar to buying.

true , but like i said , having money down is better than not having shit.

[MR 325]

can your e30 do this ? lol

That is so fucking sick!

poor e30. :(

No...

[mkcman17]

but having credit goes a long ways...credit is reasonably easy to build when controlled. there's really no reason not to keep a card, even if just for occasional use.

i might be a young squirt, but i've been through the process..and getting paid rent is definitely better than paying it.

[MR 325]

okay selling my shit super cheap to you local peeps! ive got:

ebrake handle - free
heated seat switches - free


willing to negotiate a bit but that's big drops already!

Is there any way you can go cheaper on these items?

[MR 325]

but having credit goes a long ways...credit is reasonably easy to build when controlled. there's really no reason not to keep a card, even if just for occasional use.

i might be a young squirt, but i've been through the process..and getting paid rent is definitely better than paying it.

You are a smart one you!

I've never had a credit card, going to look in to one this month. Need to start building credit. I figure I will just use it for gas or something. It's always nice to have "just in case" too. The trick is to only charge what you can afford, if only everyone else knew that.

[e30trooper]

You are a smart one you!

I've never had a credit card, going to look in to one this month. Need to start building credit. I figure I will just use it for gas or something. It's always nice to have "just in case" too. The trick is to only charge what you can afford, if only everyone else knew that.

ture , but idk me knowing that im paying extra on top of what i owe is what i hate. its like a gas card, you think your getting a deal but really they r charging you more than what you use..its how they make but and give you brownie points

[mkcman17]

yeah the past year i fell into some money troubles and was forced to use mine more than i wanted to...but it's okay because i'm slowly paying off my house and gaining equity.

you know they don't charge you on a CC if you pay it off at the end of the month, right? you can in theory use it the same as cash/debit.

[e30trooper]

yeah the past year i fell into some money troubles and was forced to use mine more than i wanted to...but it's okay because i'm slowly paying off my house and gaining equity.

your paying off a house?

[mkcman17]

well not me, my tenants are technically ;)

[e30trooper]

well not me, my tenants are technically ;)

thats good but who put the depost down? Is this out in AZ? A old buddy of mine put down on a house in torrance , his payments are 2500 a month ( total cost of the house is about 900k , avg in torrance for a 3bed room ) but i guess it will be paid off in 30 years lol

[ethrtyiS]

thus is why im 25 and have NEVER had one credit card ever. if you buy shit pay cash or money you got. Anyways GL

you should have at least started credit. its mandatory in today's economy. i am almost done paying off my car, wasn't a considerably large amount of money, but i've always repaid in a reasonable time, and this one is coming short. you want to have a very well established credit score when purchasing a house, but also for a new car, etc. but of course, you need to put a large down payment as well without a question. 15k down, plus well established credit, and you've got yourself low mortgage payments on a nice 3 bedroom home.

how does one establish credit with no credit card...

in today's economy, its extremely difficult. you would want to go to a credit union nowadays.

Is there any way you can go cheaper on these items?

yes, negative monies and its yours. :)