call it love, or a bad idea

[Schiffy]

Debt at 18 isn't bad... atleast it's manageable. My brother is 19, he paid bought a '95 GT in cash, drove it back home to College Station from Dallas, a month to the day after he bought it, he was hit head on, and the car was totalled. bought it back from insurance, paid to have it fixed, got it back on the road, only to find out that to make it pass emissions was going to cost $2800! he gave the car to me, went out with my dad one day to "look" and ended up financing an '05 F150 extended cab. he works at a bar, sometimes as the door guy(bouncer) sometimes as a barback. he makes around $500 a weekend (thur.,fri.,sat) so he's good... I bought my '95 with a loan from Navy Fed Credit Union, took it out on a 3 year loan so that the day i got out of the Navy, the car would be paid for, ended up paying it off in January with some of the tax return the wife and I got.
speaking of debt and loans... the wife and i are driving to Williamsburg(Va) tomorrow for a finance seminar... we're shooting to get outa debt, and this is step one. checked our credit the other day... we're $16,000 in debt, but some of that is student loans while she was in nursing school, and a big chunk is her car ($7,000) her credit is 535, and mine is 705. I always though when you got married your credit reports were together :dunno:

 

[rick focks]

ANY LOANS you have together will be on both reports, that doesn't mean you'll have the same score, or at least they should be both on there, same states don't report on cobuyers on autoloans...in a community property state too (such as TX) you're responsible for each other's debts you come into while married whether or not you sign nething

 

[Schiffy]

ANY LOANS you have together will be on both reports, that doesn't mean you'll have the same score, or at least they should be both on there, same states don't report on cobuyers on autoloans...in a community property state too (such as TX) you're responsible for each other's debts you come into while married whether or not you sign nething

gotcha... everything we've accrued was from before we got married... we haven't made any big purchases together, everything big, we've paid cash for. both our scores ARE together, just seperate. make sense? when you look at mine, her's is there, just seperate.

 

[rick focks]

RIGHT

 

[Schiffy]

RIGHT

:smitten:

 

[trav_19]

her numbers pretty low is she younger or something? your numbers pretty good though

 

[rick focks]

come to think about it, love is usually a bad idea...

 

[Steven]

come to think about it, love is usually a bad idea...

werd

 

[trav_19]

come to think about it, love is usually a bad idea...

werd

n00bs :hammer:

 

[rick focks]

my phrase "word" and it's alternate spellings are becoming popular

 

[Steve-Oh]

Damn I thought I was bad in the hole!

 

[Steven]

my phrase "word" and it's alternate spellings are becoming popular

i dont know about you old man, but i've been saying that for a good while lol

 

[rick focks]

word, but it just caught on again...cause i use it...all the time

 

[Steve-Oh]

You're sucha poser Rick!!!
















Just messing

 

[rick focks]

wait till i get my new pics...you ain't seen posin' yet!!! i'm gettin' a new sig pic and should be gettin' new band pics next week it's gonne be HAWT!!!

 

[Steve-Oh]

wait till i get my new pics...you ain't seen posin' yet!!! i'm gettin' a new sig pic and should be gettin' new band pics next week it's gonne be HAWT!!!

Lol I can hardly contain myself, i can't wait!!!!!!!!!!!!!!!!!!!!!!

 

[Steve-Oh]

that was sarcasm btw

 

[rick focks]

you aren't really in my target market...

 

[Steve-Oh]

you aren't really in my target market...

I would hope so lol!

 

[Lane478]

V I'm going to disagree on a couple things, Who qould guess that on the internet? You don't need debt to have credit. A credit score is based on debt. How much how often and how you pay. but if you got MONEY, you don't need credit. What about a house you ask? If you got a fat down payment and own all your stuff, that is as good as or better than to a banker. No , you don't need a credit card. Credit card=buy stuff, then pay back with interest. Debit card=same as credit card, but you put in the money in the bank first, buy stuff and it's yours free and clear. You're at a point in your life to live without debt. It's easy. Wait till you got three nose pickers and a house and everything that goes with it, it gets real tough to dig out of debt. Work your ass off, save your money and b uy what you want when you canhas iver cash for it. You'll get a lot more out of it, both a good deal and pride of doing it yourself. Just think, ever hear somebody say "I'll give you five thousand credit right now." No it's always CASH. Cash rules.