|
|
|
|
||||
|
Welcome to the GoFuckYourself.com - Adult Webmaster Forum forums. You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today! If you have any problems with the registration process or your account login, please contact us. |
 |
|
|||||||
| Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed. |
|
|
Thread Tools |
03-27-2003, 10:16 PM
|
#1 |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Hoax's credit woes continued...
I walked into a dealership today to buy a 2003 Subaru WRX. I had $5k in cash, and a co-signer with a credit rating of over 800.
They wouldn't finance me... Luckily you don't need credit to buy heroin...I'm going to lie naked in the bath tub, doped to the gills, and sip cheap beer as I CARVE THE WORD SUBARU INTO MY FUCKING CHEST WITH A BOTTLE CAP!
__________________
Insert Value Here. |
|
|
|
03-27-2003, 10:18 PM
|
#2 |
|
Confirmed User
Join Date: Feb 2001
Location: atlanta, GA
Posts: 6,432
|
i think the dealer did you a favor "Suburu"???
|
|
|
|
|
03-27-2003, 10:19 PM
|
#3 |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
what??! Dude.... credit rating over 700 and you can buy damn near any fucking car you want with nothing down.
Fuck that dealer. He's obviously on some form of crack.
__________________
SIG TOO BIG |
|
|
|
|
03-27-2003, 10:21 PM
|
#4 |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
"co-signer with a credit rating of over 800"
|
|
|
|
|
03-27-2003, 10:22 PM
|
#5 |
|
Confirmed User
Join Date: Mar 2003
Posts: 675
|
how do you find out what your credit rating is? I've received my credit reports before but i never noticed a number.
|
|
|
|
|
03-27-2003, 10:22 PM
|
#6 |
|
So Fucking Banned
Join Date: Mar 2003
Posts: 1,881
|
 just got my Honda Accord V6 . rate = 1.9 with 4k down. |
|
|
|
|
03-27-2003, 10:22 PM
|
#7 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:22 PM
|
#8 |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
I can give ya some free tips on getting your credit managable if ya want sometime Hoax.
|
|
|
|
|
03-27-2003, 10:23 PM
|
#9 | |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
Quote:
If you have a tri-merge you'll see 3 different scores, take the middle one. |
|
|
|
|
|
03-27-2003, 10:25 PM
|
#10 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:25 PM
|
#11 | |
|
Old broad
Join Date: Oct 2002
Location: Away
Posts: 13,933
|
Quote:
 Keep saving and put down more cash, buy a less expensive car, or save and pay cash for the whole thing.allamerican2003 - you can go to http://www.myfico.com and get your score. |
|
|
|
|
|
03-27-2003, 10:26 PM
|
#12 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:27 PM
|
#13 |
|
Confirmed User
Join Date: Feb 2002
Location: South Lake Tahoe, CA
Posts: 1,099
|
damn and i was looking forward to taking it out for a test drive....
__________________
HIGH QUALITY ADULT AND NON-ADULT DESIGN/MARKETING WORK SINCE 1997!! Yan - ICQ # 4790444 - Phone: 530-544-7058 |
|
|
|
|
03-27-2003, 10:27 PM
|
#14 | |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
Quote:
In the middle of somethin but should be available in a couple hrs |
|
|
|
|
|
03-27-2003, 10:28 PM
|
#15 | |
|
So Fucking Banned
Join Date: Mar 2003
Posts: 1,881
|
Quote:
 |
|
|
|
|
|
03-27-2003, 10:29 PM
|
#16 |
|
Confirmed User
Join Date: Feb 2002
Location: South Lake Tahoe, CA
Posts: 1,099
|
sorry it didn't work out pal, i know how badly you wanted that car
__________________
HIGH QUALITY ADULT AND NON-ADULT DESIGN/MARKETING WORK SINCE 1997!! Yan - ICQ # 4790444 - Phone: 530-544-7058 |
|
|
|
|
03-27-2003, 10:30 PM
|
#17 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
The car is not that expensive and its totally within my means... Apparently my score is like 480...all this from two credit cards I maxed out when I was nineteen...2K tops. I wanna dry hump a cheese grater right now... Actually the dealer said he'd try to pull some strings. We'll see...he didn't sound overly confident... Can you shoot smack into your eyeball????
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:32 PM
|
#18 | |
|
Confirmed User
Join Date: Dec 2002
Location: CanaDUH
Posts: 5,125
|
Quote:
|
|
|
|
|
|
03-27-2003, 10:34 PM
|
#19 |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
Drew was a mortgage banker in a previous life.... lol
__________________
SIG TOO BIG |
|
|
|
|
03-27-2003, 10:34 PM
|
#20 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
Its all good...I got a Shotty that guarantees me anything on the lot...nothing down, no payments for...ever. But if I pick the wrong car I could be taking schlong in the poop shoot.
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:36 PM
|
#21 | |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
Quote:
I was a banker for longer than you were in the military. =D Say hi to the tranny for me, ;) |
|
|
|
|
|
03-27-2003, 10:37 PM
|
#22 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
Dude...the dealer gave me the keys and let me go off with my wife by ourselves...its an absolute dream to drive. Stock even. It feels solid, yet lithe. Precisely out of control. Like a gazel on a sweet 8 ball of speed and steroids...*sigh*
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:37 PM
|
#23 |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
you were a fucking drive thru teller drew... admit it.
__________________
SIG TOO BIG |
|
|
|
|
03-27-2003, 10:38 PM
|
#24 |
|
Entrepreneur
Join Date: Oct 2002
Location: USA
Posts: 31,429
|
Its a FICO score.
Here is info how it works. http://www.myfico.com and these guys created FICO scoring. http://www.fairisaac.com/ Its a fucked up system in my opinion. Some dealers don't look at anything but that number. And I think they should consider where you are at today and where it looks like you are going and not judge people on things from as far back at 7 years ago. Think about how nutty that is. You can be wealthy and pay cash for things and not need credit and FICO can give you a lower rating for not having credit which is absurd. |
|
|
|
|
03-27-2003, 10:39 PM
|
#25 |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
such anger...
Apparently you finally broke out the measuring tape today... So tell us, How many inchs bigger was she (it... him) whatever you call your sig other. |
|
|
|
|
03-27-2003, 10:40 PM
|
#26 |
|
Confirmed User
Join Date: Feb 2002
Location: Vegas
Posts: 5,741
|
That sucks ass hoax. Never see you on icq any more. Seem to miss the days when you were in tahoe... although heroin use and dry humping cheese graters doesn't sound like much fun.
Keep ya head up.
__________________
 RecurCash.com - Averaging $38/sale with 60% revshare in the first 4 months alone! Convert your TEEN traffic today @ better than 1:500 guaranteed. ICQ me: 18287590! |
|
|
|
|
03-27-2003, 10:40 PM
|
#27 | |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
Quote:
sad drew... here I thought you actually might be someone of substance.... turns out you're no better than LucLonely.  and for the record... she can run circles around your so called 'banking' experience with her eyes closed. 
__________________
SIG TOO BIG |
|
|
|
|
|
03-27-2003, 10:41 PM
|
#28 |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
Bombs away....
__________________
SIG TOO BIG |
|
|
|
|
03-27-2003, 10:42 PM
|
#29 | |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
Quote:
They probably start around 530-540. Realize, that its not just cut and dry, here I'll give you a loan, pay me back, you look like you're good for it. In mortgages atleast, there's a huge market for buying loans... Thats pretty much what Fannie Mae and Freddie Mac do. So not only are you taking on the risk for however long you have it, someone else is also. Wells Fargo and Washington Mutual are 2 of the big buyers right now... I think they've got a combined portfolio of $680 billion + now. |
|
|
|
|
|
03-27-2003, 10:44 PM
|
#30 | |
|
Confirmed User
Join Date: Aug 2001
Posts: 5,193
|
Quote:
I've only got 5 years... but I've been involved and around it for a good 9-10 years. =) |
|
|
|
|
|
03-27-2003, 10:44 PM
|
#31 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
I'm always on, just invisible...I don't miss tahoe really...and don't knock it till you've woken up in a pile of your own mess. ;)
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 10:44 PM
|
#32 |
|
There can be only one
Industry Role:
Join Date: Aug 2001
Location: Somewhere else
Posts: 39,075
|
poor pathetic drew....
__________________
SIG TOO BIG |
|
|
|
|
03-27-2003, 10:48 PM
|
#33 | |
|
Confirmed User
Join Date: Oct 2002
Location: Roger V
Posts: 5,334
|
Quote:
O why doesn't he buy it and you make the payments then he can put it in your name
__________________
Pornkings.com |
|
|
|
|
|
03-27-2003, 10:49 PM
|
#34 |
|
Confirmed User
Join Date: Mar 2002
Location: Maryland
Posts: 5,228
|
maybe it's time to realize you aren't a "big balla" and get a car that was made for people in your position...I suggest the Ford Escort...Some homeless guy has one around me and he seems happy
__________________
CashTheChecks.com -coming soon- "Exclusive sites for Exclusive Webmasters" ICQ-119966868,add me first don't message |
|
|
|
|
03-27-2003, 10:53 PM
|
#35 | |
|
Confirmed User
Join Date: Dec 2002
Location: CanaDUH
Posts: 5,125
|
Quote:
|
|
|
|
|
|
03-27-2003, 10:54 PM
|
#36 |
|
Confirmed User
Join Date: Jan 2003
Location: midwest side, yo
Posts: 4,728
|
i used to sell cars, not a finance guy, but you get to know some of how it works.
a person can actually have *too good* of credit to be financed... strange, but it does actually happen. a beacon over 800 could easily fall into that category. a 480 is without a doubt a spyfi (special finance) deal, but it would be difficult to get financed on a non-entry vehicle. plus, they're going to gouge you with horrible interest rates. another thing to consider is, you can have a high beacon, but have bad credit. conversely, you can also have a low beacon and be bullits (although you generally see high-beacon bad-credit folks). maybe throw $6-7k down. i know with mits that automatically bumps you to top-tier financing. dunno about subaru. but, even with that amount and good income, they should have a spyfi program that you can get financed by yourself. did they suggest by chance an alternate vehicle? if so, you're financable. but, be prepared to pay high interest rates. in nebraska it's 18%, but some states don't have a cap. there's a true story about a guy who had terrible credit, and financed a new excursion. they ended up charging him abour 45% interest, and he ended up paying about $150000 for a $50000 vehicle. maybe that helps, maybe it doesn't. hope that answered something, might be able to help out more, if you need.
__________________
<a href="http://www.iroc409.com/"><img src="http://www.iroc409.com/adv/120x60.gif" border=0></a> icq: 1 7 6 4 2 0 9 6 0 Gallery templates for ONLY $25! w00t! |
|
|
|
|
03-27-2003, 10:55 PM
|
#37 | |
|
Confirmed User
Join Date: Jan 2003
Location: midwest side, yo
Posts: 4,728
|
Quote:
hey, if you're careful, you can get a zx2 with a year of free gas. and the '03 redesign is almsot cool... but not quite
__________________
<a href="http://www.iroc409.com/"><img src="http://www.iroc409.com/adv/120x60.gif" border=0></a> icq: 1 7 6 4 2 0 9 6 0 Gallery templates for ONLY $25! w00t! |
|
|
|
|
|
03-27-2003, 10:56 PM
|
#38 |
|
Confirmed User
Join Date: Mar 2002
Location: Mass Ass
Posts: 5,294
|
they wont touch you unless they have enough equity in the car if they did that
put 9k down.. you'll get financed
__________________
|
|
|
|
|
03-27-2003, 10:57 PM
|
#39 |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
I've spent every day of my life earning the trust of my friend...he used to change my shitty diapers...eventually I'll probably change his.
What you are talking about is known as a "Straw Purchase" its illegal, and technically a total bitch. To drive a car off a lot you must have insurance. To get insured on a car you must be a registered owner. To be a registered owner you must qualify for the financing. To qualify for financing you must be squeaky fucking clean apparently. At least that's the way I understand it. Plus it does me no good credit wise. I have a few more options available to me...I can take a shorter term on my loan, I can fix my credit, or the dealer can attempt to pull some strings which they are doing... I'm not a material person, but I want this car so bad it makes my bunghole pucker.
__________________
Insert Value Here. |
|
|
|
|
03-27-2003, 11:02 PM
|
#40 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 11:04 PM
|
#41 |
|
Confirmed User
Join Date: Dec 2002
Location: CanaDUH
Posts: 5,125
|
If you want it that bad, you will get the car. Sounds like you are just trying to jump hoops, sooner or later you will get approved. This is odd, as I could go to Subaru tomorrow and buy the same car and I have sweet fuck all. Maybe it is different in Canada, or maybe my opinion of sweet fuck all is different from what a dealer would consider of one having nothing.
Good car, go for it. There is a very large Subaru club here. I ran across a meeting one day last summer and there must have been over 30+ WRX's there..... |
|
|
|
|
03-27-2003, 11:07 PM
|
#42 | |
|
Confirmed User
Join Date: Jan 2003
Location: midwest side, yo
Posts: 4,728
|
Quote:
$5000+ their profit is enough to get financed. most spyfi do not require more than about $1000-1500 in fees to get financed, if any at all. unless the price was worked to the bone, this shouldn't be a problem. get an extended warranty on top of the car warranty and the undercoating, and they'll finance it
__________________
<a href="http://www.iroc409.com/"><img src="http://www.iroc409.com/adv/120x60.gif" border=0></a> icq: 1 7 6 4 2 0 9 6 0 Gallery templates for ONLY $25! w00t! |
|
|
|
|
|
03-27-2003, 11:07 PM
|
#43 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
YEah...I'll get it sooner than later... I ain't trippin yo, I'll be all up in that ride hella quick dawg...then I'll be a "big balla"! I be can't waitin'!!
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 11:08 PM
|
#44 | |
|
Confirmed User
Join Date: Mar 2002
Location: Maryland
Posts: 5,228
|
Quote:
I think thats the problem... All the young kids around here who drive Honda Accords and rice them up to look like a Benz DREAM about owning a WRX...SO I've placed the WRX in my all exclusive ricer category...Maybe it's different over there I just read what I said and it was kinda fucked up LOL..sorry about that
__________________
CashTheChecks.com -coming soon- "Exclusive sites for Exclusive Webmasters" ICQ-119966868,add me first don't message |
|
|
|
|
|
03-27-2003, 11:13 PM
|
#45 | |
|
Confirmed User
Join Date: Feb 2002
Location: Vegas
Posts: 5,741
|
Quote:
__________________
RecurCash.com - Averaging $38/sale with 60% revshare in the first 4 months alone! Convert your TEEN traffic today @ better than 1:500 guaranteed. ICQ me: 18287590! |
|
|
|
|
|
03-27-2003, 11:18 PM
|
#46 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
Your comments didn't phase me, its all good. Just be careful with your categories...they're boundaries. After all some of my best friends are ricers...ask luclonely!
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 11:19 PM
|
#47 |
|
we'll miss you our friend. RIP
Industry Role:
Join Date: Sep 2001
Location: Fernie, BC
Posts: 25,115
|
WRX - nice choice. for the money, one hell of a car. sweet engine, and quality all-wheel drive.
good luck with your loan... |
|
|
|
|
03-27-2003, 11:27 PM
|
#48 | |
|
Confirmed User
Join Date: Dec 2001
Location: CrackYaMental
Posts: 4,365
|
Quote:
__________________
Insert Value Here. |
|
|
|
|
|
03-27-2003, 11:33 PM
|
#49 | |
|
March 1st, 2003
Join Date: Jul 2001
Location: Seat 4 @ Venetian Poker Room
Posts: 20,295
|
Quote:
My father's employer back in the 80's was a very wealthy man. Bought and paid for everything with cash/bank check etc. Anyway, times got tough in the last part of the 80's when the real estate market started to crash...(his company was a carpet company that depended upon new homes being manufactured.) As I said times got a bit tough and he needed a new car, not like the one he had was any problem...the guy goes down to the same lot he's been buying from for years and wants to purchase one using a loan...guess what?! The guy has virtually no credit, not bad, just no credit and can't get a fucking loan. Go figure. |
|
|
|
|
|
03-28-2003, 12:25 AM
|
#50 |
|
So Fucking Banned
Join Date: Jan 2001
Location: http://www.thefly.net/ --- Quit your job and live off steady traffic.
Posts: 11,856
|
car load = indentured servitude
just do what I did... eloan.com (run by bank of america) -- walk in the dealership with a blank check... they have actually been pretty good to me so far even if i skip a payment they aren't fuckheads... but i can guarantee you will be bored of the WRX in 2-3 years so just fucking lease the shit... at least that way you can deduct it from your taxes... and in 3 years when you are bored of the WRX you won't be stuck trying to sell the crap on ebay 1orglaugh |
|
|
|
