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-   -   Hoax's credit woes continued... (https://gfy.com/showthread.php?t=120122)

p00p 03-27-2003 11:04 PM

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.....

iroc409 03-27-2003 11:07 PM

Quote:

Originally posted by hyper
they wont touch you unless they have enough equity in the car if they did that

put 9k down.. you'll get financed


$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 :1orglaugh :1orglaugh

-=HOAX=- 03-27-2003 11:07 PM

Quote:

Originally posted by p00p
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.....


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'!!

nocostporn 03-27-2003 11:08 PM

Quote:

Originally posted by -=HOAX=-


HAHahaha, never claimed I was a "big balla", I'm not that type...you hang around the Icy Hot Stuntas too much my friend...


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 :1orglaugh

High Quality 03-27-2003 11:13 PM

Quote:

Originally posted by iroc409
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.

When did ford excursions come out? I thought it was like 2000 or something. Maybe I'm way off, but if it was 2000 then no way that story is true.

-=HOAX=- 03-27-2003 11:18 PM

Quote:

Originally posted by nocostporn



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 :1orglaugh

A car can't define me as a person...a WRX is a great car...its an economical drivers car...performance at a low price...more importantly...its what I want.

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! :winkwink:

quiet 03-27-2003 11:19 PM

WRX - nice choice. for the money, one hell of a car. sweet engine, and quality all-wheel drive.

good luck with your loan...

-=HOAX=- 03-27-2003 11:27 PM

Quote:

Originally posted by quiet
WRX - nice choice. for the money, one hell of a car. sweet engine, and quality all-wheel drive.

good luck with your loan...

ThankS!:thumbsup

eroswebmaster 03-27-2003 11:33 PM

Quote:

Originally posted by KRL

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.

This is very true.

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.

TheFLY 03-28-2003 12:25 AM

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

jake2000xp 03-28-2003 01:04 AM

Quote:

I wanna dry hump a cheese grater right now...
:1orglaugh

Try a different dealer, same car. Should be no problem..

Why 03-28-2003 02:01 AM

i have 660 and im 50 days into being 20. :)

-=HOAX=- 03-28-2003 11:27 AM

Due to the urging of many around me...and the necessity of having a new car.


I lowered my standards a bit and got a different car. The money I saved allowed me to get a few modifications...

http://www.explicit-design.com/newcar.jpg

snowpimp 03-28-2003 11:40 AM

Quote:

Originally posted by -=HOAX=-



....I don't miss tahoe really....

ouch, that hurts:321GFY

-=HOAX=- 03-28-2003 11:59 AM

Quote:

Originally posted by snowpimp


ouch, that hurts:321GFY

I miss my friends and lovers...drinking buddies and late night theological discussions over too much Jack Daniels...

I miss drunken wake boarding, dollar drinks till I was compelled to scream, "LakeSide Sucks COCK!"

I miss walking out of Horizon with socks full of black chips...

I miss all you can drink redbull and vodka's and playing HardCore Jungle to crowds of house lovers at the technopig...

I miss urinating in Hot Tubs...Halo, Bingers and Coors Light for lunch...

I miss, "DUDE, FUCKIN', DUDE...FUCK, MY LIFE IS SO FUCKING HARD!, DUDE, FUCKED...DUDE!"

I miss fourth of July's, New Year's, LaborDays, Memorial Days, Friday's and Tuesday's I can vaguely remember...

I miss wrestling boobzilla in a miniskirt...

I don't miss the snow, I don't miss the tourists (Now I'm one of them).

I don't miss the lack of restaraunts, shopping...

I don't miss the roadwork....

I don't miss walking INTO caesars with socks full of black chips...

I miss that office, sometimes, and the fun we had...but tahoe itself, I can visit.

rowan 03-28-2003 12:14 PM

I offered a 50% cash deposit on a recent model 2nd hand car and the finance company knocked it back. Eventually they conceded and offered me a crappy rate with a massive 5 years to pay it off. I've got more than half of the loan paid off in a few months so far! I don't understand why they were so tight, considering it was a second hand car (the nasty first year mass depreciation was over), and I was putting up half the price as cash.

In Australia you don't get a credit rating, just a list of enquiries (credit checks) and defaults. It's up to you to provide extra documentation to show that you have paid off other loans with no problems...

snowpimp 03-28-2003 12:20 PM

I miss the boose cruise and other nights of heavy drinkage and getting SHIT CANNED

I miss the fact you can keep an entire room laughing for hours

I miss being egged on and challenged

I miss having someone to throw my ideas and comments at

I definitely miss my hot tub

I miss harrassing you about tomkat

I miss watching chloe grow before my very eyes

I miss talking shit about your video games

I miss having real neighbors I could hang out with and talk to

I don't thing there's anything I don't miss....

-=HOAX=- 03-28-2003 12:22 PM

Quote:

Originally posted by snowpimp
I miss the boose cruise and other nights of heavy drinkage and getting SHIT CANNED

I miss the fact you can keep an entire room laughing for hours

I miss being egged on and challenged

I miss having someone to throw my ideas and comments at

I definitely miss my hot tub

I miss harrassing you about tomkat

I miss watching chloe grow before my very eyes

I miss talking shit about your video games

I miss having real neighbors I could hang out with and talk to

I don't thing there's anything I don't miss....

*sniffle*


I love you...


*sniffle*



















I'M SHITCANNED!

MrPopup 03-28-2003 12:22 PM

Quote:

Originally posted by -=HOAX=-

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!

:1orglaugh

good stuff.

-=HOAX=- 03-28-2003 12:37 PM

Yeah...it hurts today too...and being dope sick don't help. :winkwink:

snowpimp 03-28-2003 12:55 PM

did i tell you i showed up drunk at work again? three times this week.....

-=HOAX=- 03-28-2003 01:00 PM

Well this time you don't have the office Nazi to make a stink...so fuck it...I'd be plastered already if I was there right now.

DrGuile 03-28-2003 01:08 PM

how's insurance?




I've been having credit problems myself, namely, I have no credit history because I never had to take out a fucking loan.

Only recently did I manage to get a credit card.

On the other hand, I just bought a 135k condo, all I needed was 15% down.
Of course, a house is easier to finance than a car.

snowpimp 03-28-2003 01:12 PM

Quote:

Originally posted by -=HOAX=-
Well this time you don't have the office Nazi to make a stink...so fuck it...I'd be plastered already if I was there right now.
She called me yesterday, turns out she's my accountant's receptionist calling to confirm my appointment next week. Tahoe's a small fucking town! Lol

Rich J. 03-28-2003 01:12 PM

I've heard if you plan on buying a house anytime in the near future to hold off on financing a car untill after you have purchased the house because a car payment can severely damage your chances of getting a home loan.

snowpimp 03-28-2003 01:14 PM

Quote:

Originally posted by Rich J.
I've heard if you plan on buying a house anytime in the near future to hold off on financing a car untill after you have purchased the house because a car payment can severely damage your chances of getting a home loan.
Yep that sure is true in my recent experience.....good advice RichJ, it was too late for me though and I got denied on one particular house loan mostly for that very reason.

Cheshire 03-28-2003 01:18 PM

Take over my car Hoax!
I'll bake you some more of those cupcakes you like so much :)
please please please

I want a bicycle with a basket and pompoms on the handle bars.
I'll ride it to work, and to the flower market on Saturdays.

Rich J. 03-28-2003 01:24 PM

Quote:

Originally posted by Cheshire
Take over my car Hoax!
I'll bake you some more of those cupcakes you like so much :)
please please please

I want a bicycle with a basket and pompoms on the handle bars.
I'll ride it to work, and to the flower market on Saturdays.

I'll take it... can I pay you in belly rubs? :Graucho

Cheshire 03-28-2003 01:25 PM

Quote:

Originally posted by Rich J.
I'll take it... can I pay you in belly rubs? :Graucho
Hmm, you do have the soft little hands of an Asian woman....

MaxDent 03-28-2003 01:26 PM

Subaru spelled backwards is:

U R A bus

:thumbsup

Rich J. 03-28-2003 01:35 PM

Quote:

Originally posted by Cheshire
Hmm, you do have the soft little hands of an Asian woman....
I can take that... so do we have a deal?

-=HOAX=- 03-28-2003 02:14 PM

Quote:

Originally posted by snowpimp


She called me yesterday, turns out she's my accountant's receptionist calling to confirm my appointment next week. Tahoe's a small fucking town! Lol

Show up drunk and breathe Jack Daniels in her face...

-=HOAX=- 03-28-2003 02:35 PM

HOLY SHIT I GOT IT!!!!!!!!!!


I"M THE PRIMARY OWNER I got 60 months financing at 2.9%...WWWWWWWWWWWWWWWWWHHHHHHHHHHHHHHHHHHHHHHHHHH HHHHHHAAAAAAAAAAAAAAAAAAAAAAAOOOOOOOOOOOOOOOOOOOOO OOOOFDOJFHNKLJFHEK:IHWFKJHK:H

snowpimp 03-28-2003 02:37 PM

alright!!!! congrats, taking a road trip to tahoe this weekend?

uno 03-28-2003 02:42 PM

Quote:

Originally posted by -=HOAX=-
Can you shoot smack into your eyeball????
Is there any other way?

Honeyslut 03-28-2003 02:49 PM

Have you looked into joining a credit union like Golden One Credit in Placer county and getting a loan.

-=HOAX=- 03-28-2003 04:35 PM

I just drove the fucker home from the lot...the cruise control makes it real easy to jerk and drive...aaaahhhh....

DTK 03-28-2003 04:53 PM

Quote:

Originally posted by snowpimp


ouch, that hurts:321GFY

Seconded

-=HOAX=- 03-28-2003 05:01 PM

Quote:

Originally posted by DTK


Seconded


Oh poo...I forgot to say I miss hitting a 150 yard 9 iron straight as an arrow...

DTK 03-28-2003 05:03 PM

Quote:

Originally posted by -=HOAX=-



Oh poo...I forgot to say I miss hitting a 150 yard 9 iron straight as an arrow...

Don't exaggerate, it was a 7 iron:tongue:


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