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Car Forum / Driving, Maintenance, Tuning / RVs / February 2008Finacing
So anyone Know a good Place to get financing for a new 5th wheel for someone who has a low credit score? in the Mid to high 500 credit score Thanks Bill > So anyone Know a good Place to get financing for a new 5th > wheel for someone who has a low credit score? in the Mid to > high 500 credit score Thanks > Bill What country? I hate to be a wet blanket, but if your credit score is already too low, don't you think you should fix that BEFORE you go deeper in debt? Just my opinion the matter. Budd > So anyone Know a good Place to get financing for a new 5th wheel for > someone who has a low credit score? in the Mid to high 500 credit score > Thanks > Bill > I hate to be a wet blanket, but if your credit score is already too low, > don't you think you should fix that BEFORE you go deeper in debt? Having a low score doesn't mean a person is in debt. I know a woman whose credit was destroyed through a nasty divorce. She has no debt. Will be awhile before her credit is restored. >> I hate to be a wet blanket, but if your credit score is already too low, >> don't you think you should fix that BEFORE you go deeper in debt? > > Having a low score doesn't mean a person is in debt. I know a woman whose > credit was destroyed through a nasty divorce. She has no debt. Will be > awhile before her credit is restored. Miles, I DID NOT say he was in debt, I merely suggested he fix his score before going deeper in debt. By fixing his debt score, financing becomes a whole lot easier, am I not correct? Just common sense, Miles, just common sense. Budd > I DID NOT say he was in debt, I merely suggested he fix his score before > going deeper in debt. > > By fixing his debt score, financing becomes a whole lot easier, am I not > correct? How does one fix a bad score? Sometimes it means you have overdue debt that needs to be paid and cleared. Other times there is no such debt. The marks are left on a persons record for years. Budd, point is that credit is based on taking out credit and paying it on time. If the person doesn't owe anything but still has bad credit then about the only way is to start small with a new loan and pay it on time. : > I DID NOT say he was in debt, I merely suggested he fix his score before : > going deeper in debt. [quoted text clipped - 10 lines] : then about the only way is to start small with a new loan and pay it on : time. I agree, you don't go out and borrow a large amount of money at a high interest rate for something like an RV to improve your credit score. Make a few small credit purchases over the next year or so and try to pay for your everyday expenses, groceries, fuel, etc, by cash or check. Then see if your credit score has improved enough, so you're not paying exorbitant financing fees for a non-necessity item. >> I DID NOT say he was in debt, I merely suggested he fix his score before >> going deeper in debt. [quoted text clipped - 9 lines] > time. If the person doesn't owe anything but still has bad credit then > about the only way is to start small with a new loan and pay it on time. Fine, what the heck ever. All you do in regards to me is make assumptions and find fault lately. That is not being a friend. Btw, if we ever get into another "discussion" about religious matters, I will NOT lay aside the Bible as you want me to. It's my reference manual and my beliefs, whether you like it or not. I'm done with this thread. Budd > All you do in regards to me is make assumptions and find fault lately. That > is not being a friend. What the heck is your problem Budd? Can you only discuss things that people agree with you on? Thats not being very friendly. > Btw, if we ever get into another "discussion" about religious matters, I > will NOT lay aside the Bible as you want me to. It's my reference manual and > my beliefs, whether you like it or not. Whoa here Budd. I have never once told you where to stuff your Bible. It is you whom have attempted to stuff it down my throat. I have never once told you that you are wrong for your beliefs. It is you whom have told that I am wrong. You do not discuss, you attempt to lecture me and others. You have no respect for anyones beliefs except your own. That Budd is not being a friend. I respect your views and believe in your right to them. Respect others who differ in their views and be a friend to them and just maybe they'll be a friend in return. I have no need for a 'friend' whom demands I believe as they do in order to be a friend. >> All you do in regards to me is make assumptions and find fault lately. >> That is not being a friend. > > What the heck is your problem Budd? Can you only discuss things that > people agree with you on? Thats not being very friendly. Look, Miles, I told him the same thing Bob said, to fix (or improve) his score and YOU jumped my case. If you don't agree with the two of us, then who's more likely to be wrong between the three of us? >> Btw, if we ever get into another "discussion" about religious matters, I >> will NOT lay aside the Bible as you want me to. It's my reference manual [quoted text clipped - 9 lines] > to them and just maybe they'll be a friend in return. I have no need for > a 'friend' whom demands I believe as they do in order to be a friend. And you are a person that doesn't want, correction, REFUSES to hear what the BIBLE says, as I've told you many times. What do I believe? Pick up a Bible, any Christian Bible and that's what I believe. And yes, you have told me to not use ( in your terms:"stuff") the BIBLE in our discussions. Lecture? I tell you the blunt truth from the BIBLE and you don't want it or can't handle it. That's your problem, and it makes what I say or prove to you a lecture whether it is or not. So, I'm no longer wasting my time on you. I hope someday you wake up to the truth before it's too late. And don't say, "truth isn't absolute." because that statement, if true, is an absolute statement and you contradict yourself. Now, shut up and I'll do the same. Budd > Look, Miles, I told him the same thing Bob said, to fix (or improve) his > score and YOU jumped my case. What?????? I jumped on your case???? Budd, all I did was disagree in part and explain why. Geez!! You're being overly sensitive here!! I never jumped on anything. > If you don't agree with the two of us, then > who's more likely to be wrong between the three of us? I could care less. I have an opinion and I'm not going to change it because you and someone else disagree. No more so that you'll change your religious views if me and 10 others disagree with you here. > And you are a person that doesn't want, correction, REFUSES to hear what the > BIBLE says, as I've told you many times. No Budd. I refuse to simply agree to whatever you say. You just can't handle that. Too bad. > What do I believe? Pick up a Bible, > any Christian Bible and that's what I believe. No Budd. You believe in your vision of it despite your claims as to otherwise. You feel I am an athiest? Guess again Budd. I'm just not a radical fanatic that has zero respect for differing views. I'm just not the type to try to lecture (you call correcting) those that differ in their views as you do. I as many others do read and follow the Bible. Just not the same way you do and that my friend is the trouble with religion. So many are just as you are and insist their view of it is the ONLY one and everyone else is wrong despite them all quoting the Bible. There are no two Christians who fully believe and live identical based on the Bible. Your way dictates a bunch of mindless robots. > Lecture? I tell you the blunt truth from the BIBLE and you don't want it or > can't handle it. Yes Budd, you lecture rather than discuss. You feel everyone who doesn't believe exactly as you do is WRONG. You Budd are the one thats wrong and your methods cause division and friction. Something I do not feel is what my God wants. Your God must be someone else. You feel you must either convert everyone to your views or you fight, destroy or ignore them. History of wars right there Budd. No thank you. > That's your problem, and it makes what I say or prove to > you a lecture whether it is or not. So, I'm no longer wasting my time on > you. You just proved my point. Either agree with whatever it is you say or goodbye. Really nice of you Budd. Many read the Bible and flat out disagree with you. Guess they should slam you and give you some corrections as well. Will you listen? Heck no. Not your way. >> I DID NOT say he was in debt, I merely suggested he fix his score before >> going deeper in debt. [quoted text clipped - 10 lines] >then about the only way is to start small with a new loan and pay it on >time. Unfortunately the "credit reporting system" is screwed and screws almost every one. In years gone by, we had paid off all loans on time and had paid cash for everything. Then we needed to purchase a house and found that we had no credit rating. We now use a couple of credit cards that are automatically paid in full each month, however we have been told that we cannot get a high rating because we don't have enough debt. Plus, every time there is any kind of a query as to our credit rating, it causes the rating to go down. You go into a car lot or RV dealer and give them the information so they can check your rating (pre-qualifying you), that action has caused your rating to lower. If you are going from one lot to another, your rating keeps going lower. The "credit monsters" don't care about people that are truly responsible and those that save and pay cash. George  SignaturePosted via a free Usenet account from http://www.teranews.com > Unfortunately the "credit reporting system" is screwed and screws > almost every one. In years gone by, we had paid off all loans on [quoted text clipped - 16 lines] > > George You have a firm grip on credit scores!! Credit cards that are paid off in full every month don't count squat on credit scores. They are not even reported to the credit agencies. I haven't purchased anything on credit other than with credit cards that are paid off in full every month since 1986. My credit report shows absolutely no credit. Yet someone that is up to their eye balls in debt has a rating and can borrow more, or what galls me, get a better rate on insurance, utilities, anything that the credit score is check against. There is something wrong with the system when those that manage to live within their means are considered a credit risk!! They don't even want to see a financial statement!! Tom J > You have a firm grip on credit scores!! Credit cards that are paid off > in full every month don't count squat on credit scores. They are not [quoted text clipped - 9 lines] > > Tom J I don't believe you're correct. For years we've paid our credit cards in full by the due date. Recently I had cause to check my credit info because I was turned down for a credit card. All 3 credit reporting firms had the info on the credit cards we regularly use, ant the info reported was something like, "paid within terms." FYI, the reason we were turned down, by Walmart, is because we don't have a land line phone, only cell. As full timers for over 5 years it is difficult to have a land line. SignatureOwen McKenzie Monica Lewinsky's ex-boyfriend's wife for president! >> You have a firm grip on credit scores!! Credit cards that are paid >> off in full every month don't count squat on credit scores. They [quoted text clipped - 20 lines] > info > reported was something like, "paid within terms." I pulled my credit report from all 3 services in November and no credit cards showed up, even the one with a $17,000 line of credit!! Maybe it depends on who is handling the card payments??? Tom J > I pulled my credit report from all 3 services in November and no > credit cards showed up, even the one with a $17,000 line of credit!! > Maybe it depends on who is handling the card payments??? One of the 3 should have showed it. Maybe incorrect name spelling etc somewhere? > Unfortunately the "credit reporting system" is screwed and screws > almost every one. In years gone by, we had paid off all loans on time > and had paid cash for everything. Then we needed to purchase a house > and found that we had no credit rating. Only way that could happen is either a serious mistake made on your record or the lender you chose was 2nd or 3rd tier and did not report credit and probably didn't require it for the loan. Do you know exactly what happened with your credit? > Unfortunately the "credit reporting system" is screwed and screws > almost every one. In years gone by, we had paid off all loans on time > and had paid cash for everything. Then we needed to purchase a house > and found that we had no credit rating. The no credit rating is the thing. Wife had the same problem even though I had great credit. She did not have bad credit, just no credit rating. Pulled a few tricks to get her a credit credit but things can get weird dealing with credit. Everyone should pull their free yearly credit report from the three major agencies. You will be amazed at what they have and what they have wrong! SignatureJim > The no credit rating is the thing. Wife had the same problem even > though I had great credit. That happens when every loan ever taken out is put with the same individual listed 1st. Usually thats the husband. The wife ends up with no credit rating at all. 500 score will be tough. How about where it is being sold. > So anyone Know a good Place to get financing for a new 5th wheel for > someone who has a low credit score? in the Mid to high 500 credit score > Thanks > Bill Wow did not think this would get this type of response.. ha-ha I am in the USA and Building my credit.. Thanks Was wondering if anyone knew of any such place that would.. Guess will wait and try later.. Thanks All Bill > So anyone Know a good Place to get financing for a new 5th wheel for > someone who has a low credit score? in the Mid to high 500 credit score > Thanks > Bill |
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