***Official WA Chat Thread***
May 1, 2009, 02:52 AM
#7533
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@jej re: credit - unfortunately it makes the world go around. It is too easy to build bad credit and tough to build good credit, but you will eventually need to rely on it so it is best to do what you can to build it up.
@juicy re: credit falling through - that really sucks and as was mentioned, debt to income ratio is key. They really only look at the absolute you are paying such as rent/mortgage (rent can be "played with"), car payment, credit cards, lines of credit, etc. Don't give too much info (and they shouldn't ask for any other than that).
Are you lining-up the Eclipse to be sold or traded in? If that can be removed from your debt then that would help, and hopefully something they did. Good luck.
May 1, 2009, 07:48 AM
#7535
Their is a pretty good chance they are sold. If you really want them just buy them
255's are ran all the time without rubbing. If you rub with 255 on an 8.5in wheel you are either slammed to the point where you car handles like crap or you have a weak alignment.
May 1, 2009, 08:55 AM
#7536
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Join Date: Apr 2009
Location: des moines, wa
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good luck buying a car yep, debt to income ratio and not enough established credit... bummer
There is always a impreza rs or rally Oz... 
, plus it takes even more money to own these cars because you can never have stock. Funny I know someone with a 11 sec car and he only has 2500 total in the car. Well good luck!!!
There is always a impreza rs or rally Oz... , plus it takes even more money to own these cars because you can never have stock. Funny I know someone with a 11 sec car and he only has 2500 total in the car. Well good luck!!! i have more than enough credit. two car loans, one that's still being payed on(but it was my trade in), credit cards(2 paid off already), plenty of things that i've established credit. oh well though...i'll find one somewhere else...then i'll go back there and show them that i still got one. *****es. :P
May 1, 2009, 09:04 AM
#7537
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Are you tuned only for meth? How long have you been without?
@jej re: credit - unfortunately it makes the world go around. It is too easy to build bad credit and tough to build good credit, but you will eventually need to rely on it so it is best to do what you can to build it up.
@juicy re: credit falling through - that really sucks and as was mentioned, debt to income ratio is key. They really only look at the absolute you are paying such as rent/mortgage (rent can be "played with"), car payment, credit cards, lines of credit, etc. Don't give too much info (and they shouldn't ask for any other than that).
Are you lining-up the Eclipse to be sold or traded in? If that can be removed from your debt then that would help, and hopefully something they did. Good luck.
@jej re: credit - unfortunately it makes the world go around. It is too easy to build bad credit and tough to build good credit, but you will eventually need to rely on it so it is best to do what you can to build it up.
@juicy re: credit falling through - that really sucks and as was mentioned, debt to income ratio is key. They really only look at the absolute you are paying such as rent/mortgage (rent can be "played with"), car payment, credit cards, lines of credit, etc. Don't give too much info (and they shouldn't ask for any other than that).
Are you lining-up the Eclipse to be sold or traded in? If that can be removed from your debt then that would help, and hopefully something they did. Good luck.
ehh, if i find something else, hopefully i do, if not...i'm planning on paying the eclipse off, and selling it maybe. or trying to trade it in later down the line.
May 1, 2009, 11:25 AM
#7538
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yeah it does suck. the thing is though, i don't really have any debt that i owe anywhere. i don't have to pay rent, i just have my car and some credit cards. 2 of the 3 are paid off, then owe on my car. but that was going to be a trade in.
ehh, if i find something else, hopefully i do, if not...i'm planning on paying the eclipse off, and selling it maybe. or trying to trade it in later down the line.
ehh, if i find something else, hopefully i do, if not...i'm planning on paying the eclipse off, and selling it maybe. or trying to trade it in later down the line.
Did you find out what your credit score was? You should be able to call and ask. If over 700 this shouldn't be an issue - even in the high 600s. Also, how many institutions did they try? Maybe try to get your own pre-financing through your bank or join somewhere like a Credit Union like Becu or First Tech, etc. This doesn't seem difficult for a $19k car (I believe that is what you said) with a down payment and a 4 - 6 year loan (I'm assuming). Sorry to hear all this.
May 1, 2009, 11:41 AM
#7539
Ah, I heard they were around $30k. Does $35k account for increased price for being in the greater Seattle area, or is that MSRP?
Juicy - I have a silver IX wing that I might sell but I think the car you are looking at is black. G/L with the clear coat as that is the best option for you.
Juicy - I have a silver IX wing that I might sell but I think the car you are looking at is black. G/L with the clear coat as that is the best option for you.
May 1, 2009, 12:06 PM
#7541
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That really sucks and it must be fallout from the economy. You're saying you don't have debt other than the car (which sounds like it would be the trade-in) and the 1 credit card. WTF? Usually debt to income should be 35%-40% or so (makes lenders feel good) but I've seen them sway up to 60%. Mind you, this was in a better economy as I haven't had to worry about this for a bit.
Did you find out what your credit score was? You should be able to call and ask. If over 700 this shouldn't be an issue - even in the high 600s. Also, how many institutions did they try? Maybe try to get your own pre-financing through your bank or join somewhere like a Credit Union like Becu or First Tech, etc. This doesn't seem difficult for a $19k car (I believe that is what you said) with a down payment and a 4 - 6 year loan (I'm assuming). Sorry to hear all this.
Did you find out what your credit score was? You should be able to call and ask. If over 700 this shouldn't be an issue - even in the high 600s. Also, how many institutions did they try? Maybe try to get your own pre-financing through your bank or join somewhere like a Credit Union like Becu or First Tech, etc. This doesn't seem difficult for a $19k car (I believe that is what you said) with a down payment and a 4 - 6 year loan (I'm assuming). Sorry to hear all this.
May 1, 2009, 02:12 PM
#7543
Evolving Member
not enough established credit? i have more than enough credit. two car loans, one that's still being payed on(but it was my trade in), credit cards(2 paid off already), plenty of things that i've established credit. oh well though...i'll find one somewhere else...then i'll go back there and show them that i still got one. *****es. :P
i have more than enough credit. two car loans, one that's still being payed on(but it was my trade in), credit cards(2 paid off already), plenty of things that i've established credit. oh well though...i'll find one somewhere else...then i'll go back there and show them that i still got one. *****es. :P
God Bless America for giving away so much credit to people who couln't pay for it!
May 1, 2009, 02:42 PM
#7544
yeah I know how it is. I actually have paid off four cars, own my own house and have a decent job with plenty of credit cards paid off, and it was still a little tough for me to buy my evo. My buddy let me buy it for 15,000 and it booked for 18,000. I think like yahu said it is because of the economy... God Bless America for giving away so much credit to people who couln't pay for it!
God Bless America for giving away so much credit to people who couln't pay for it!