I need to buy a car, but I need a sub-person to help me out... I want to get things with my own credit, but it's silly that I can't because there's no credit company that will allow to get things that easily... GRR

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The lender - every reputable lender - wants EVERY borrower to have "a track record". Lenders want to see - through a credit report or credit reports - how well [or not-so-well] the borrower manages and budgets his/her/their money and income. A very good friend of mine went to a bank and asked to borrow $50,000.00 The credit report was downloaded from a credit bureau. My friend had no credit. When the various bills were received in the mail, my friend preferred paying for everything in full. RESULT: Instead of getting approved to borrow $50,000.00, my friend was approved for and could borrow only $1,500. Due to the lack of "a track record", the bank officer informed my friend the best way to be approved for a larger amount was to make monthly payments for just one (1) year. THEN pay off that small loan and apply for a larger amount.Its easy, when someone informs another of what the lender REALLY wants: the lender wants that interest. The lender wants to see the borrower's track record.I wish you well!Ron B.

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OK, when I went to buy my first vehicle on loan, I had no credit, no co-signer, nothing. It was terrible. No one would touch me. What I did was save my money until I had a considerable downpayment. Also, I shopped within my means of income. I found my truck with a $10,000 price tag, which was a little more than I planned on. Because I had saved for the downpayment, I was able to put $5000 down plus a $1500 trade in on my old vehicle. This made credit companies take notice because what would they have to lose? I got it financed at 7.9% for $187/month for 24 months, which was well within my means. If you have nothing and want to make it on your own, keep saving. Remember, money talks. That's how I did it and it worked out for the best.

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