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Old 12-06-2006, 04:45 PM   #81
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Quote:
Originally Posted by nihaikitty
i read the FAQ and it says i need good credit:BangHead: ....what does "over-pay"ing a loan mean?
http://www.yamaha-rd.com/bad-credit-...ycle-loans.php



go look here maybe they can help you.... you're going to pay out the for a bike with no credit. try lending tree and eloan they have "alternative finace options"
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Old 12-06-2006, 04:49 PM   #82
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Quote:
Originally Posted by nihaikitty
makes sense, i probably would do that anyways. i like being a little ahead on the bills.

do ya'll really think i can get a loan from them? i'll have to check it out. can i do it online or should i go to a location...because i dont know if nacogdoches has a capital one and i wouldnt have time while im in houston because i work double shifts during the day.
Try different banks, but I would say use this as a last option. Because I can tell you that you will be looking at 13 - 16 % rates and that my dear is high. First option should be a Credit Union ( www.Smartfinancial.com & www.fccu.org ) because they will be the best at helping you build a good credit history. Just open a checking account and ask to speak to one of the representatives about potentially taking a loan.
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Old 12-06-2006, 04:59 PM   #83
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Quote:
Originally Posted by CaJuNsOuLjA
Try different banks, but I would say use this as a last option. Because I can tell you that you will be looking at 13 - 16 % rates and that my dear is high. First option should be a Credit Union ( www.Smartfinancial.com & www.fccu.org ) because they will be the best at helping you build a good credit history. Just open a checking account and ask to speak to one of the representatives about potentially taking a loan.
well, i dont want to open another checking account because i like working with bank of america--they've been my bank since i turned 18--it's not that i have bad credit..or even that i have none...its just "insufficient". how long do i have to have a phone contract, insurance, credit card etc before it starts showing up on my credit record?
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Old 12-06-2006, 05:03 PM   #84
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Quote:
Originally Posted by nihaikitty
well, i dont want to open another checking account because i like working with bank of america--they've been my bank since i turned 18--it's not that i have bad credit..or even that i have none...its just "insufficient". how long do i have to have a phone contract, insurance, credit card etc before it starts showing up on my credit record?
insurance won't show up, phone company only report if you own money,anf credit card generally report quarterly . it takes a while to build credit . do a secured loan on your pos car and buy the bike that way
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Old 12-06-2006, 05:07 PM   #85
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Quote:
Originally Posted by nihaikitty
well, i dont want to open another checking account because i like working with bank of america--they've been my bank since i turned 18--it's not that i have bad credit..or even that i have none...its just "insufficient". how long do i have to have a phone contract, insurance, credit card etc before it starts showing up on my credit record?
By insufficient, it means that you don't have enough credit. Just open cards and build up a history of "on-time" payments and you should be fine. Payoff's definately help add good marks to your credit report. The reason I say go with a Credit Union is because their intent is to help consumers build good credit, hence the term Credit Union. I can guarantee that any Credit Union can beat the rates you will see at BOA as banks have a different set of guidelines and procedures for securing rates than do Credit Unions. If you open an account with a credit Union, you can just drop $10 in it and let it sit. The only purpose of the acct is to be a member of the Credit Union and build a good standing with them. After a few months, I'm sure you'd be able to secure a good rate for a bike. STAY AWAY from variable rates, THEY ARE THE DEVIL. Check out www.mymoney.gov to learn more about credit and financial proficiency.
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Old 12-06-2006, 05:11 PM   #86
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Quote:
Originally Posted by ikp460.
insurance won't show up, phone company only report if you own money,anf credit card generally report quarterly . it takes a while to build credit . do a secured loan on your pos car and buy the bike that way
i guess the acura make might trick them into thinking its worth a lil bit, huh? i'll figure it out, ive got about 9 days until school's over then i can obsess about moto bs. i should be worrying about next week's finals instead of the ninja that ive been wanting for forever. i need to get my priorities straight....

anyways---thanks for all the advice, guys! i owe ya'll pizza or something!
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Old 12-06-2006, 05:12 PM   #87
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i know for the fact that yamaha looks for 4 things on your credit history over a $1000 that has been open/closed for a year.
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Old 12-06-2006, 05:12 PM   #88
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Oh yea and you can go to www.FTC.gov to find how how to get a copy of your actual credit report. You are entitled to one credit report per year from each of the "Three Big Credit Reporting Agencies", which means that you are effectively entitled to three so you should get one ever three or four months to be sure there are no anomaly's on your report.
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Old 12-06-2006, 05:18 PM   #89
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Quote:
Originally Posted by CaJuNsOuLjA
Oh yea and you can go to www.FTC.gov to find how how to get a copy of your actual credit report. You are entitled to one credit report per year from each of the "Three Big Credit Reporting Agencies", which means that you are effectively entitled to three so you should get one ever three or four months to be sure there are no anomaly's on your report.
my reports are clean, i just got my last one from experian last month...for some reason each company's report said that i was married to a "peter alosi"<-----my dad

go figure.


anyways, i called them up and fixed it.

nothing interesting was on the report, though, just a bunch of credit inquiries by banks and lenders looking to see if i was worthy for those student loans i needed so badly a few months back.

well, i need to head off and catch up on some molecular bio, ttyl ya'll!!
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Old 12-06-2006, 05:22 PM   #90
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Quote:
Originally Posted by nihaikitty
my reports are clean, i just got my last one from experian last month...for some reason each company's report said that i was married to a "peter alosi"<-----my dad

go figure.


anyways, i called them up and fixed it.

nothing interesting was on the report, though, just a bunch of credit inquiries by banks and lenders looking to see if i was worthy for those student loans i needed so badly a few months back.

well, i need to head off and catch up on some molecular bio, ttyl ya'll!!
you shoulda left it alone being married boost your credit!
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Old 10-03-2008, 09:30 PM   #91
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where'd it go?
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