Farwell to my V =[

[Rand0m0sityxX]

So My V got taken today.. And given back to the dealer..

It wasnt in my name, because nissan fed up and put My cosigner on and left me off.. well my cosigner was my ex's mom, and since i left him he found a way.. I was $50 behind this past month, and he got his mom to come take it, after telling me I'd be fine.. -.-

So, its gone... I need a cosigner to get me another one in my name. So I have no clue what i'm going to do with getting a car to deliver in..

I am going to stick around tho. My mom has a Sentra, and I love looking at the V's here. =] I will be back completely when i get me another one..

[Vahagn23]

Why dont your parents co-sign?

[Rand0m0sityxX]

My dad lives in Cali, and he doesnt talk to me.. My mom and my stepdad have a bankruptcy on file, its got another few years to clear, so they dont have the credit.. And my family who does have the credit doesnt care to cosign for me, but my cousin can get a BRAND NEW car at 16 years old.. And its not a low end car either.. *shrugs* I want to try one of the dealers here that should be easy to get a loan, but I'm not sure, its a Suzuki lot with them and used cars..

Why dont your parents co-sign?

[DejaWiz]

Have you applied for a loan through Capital One or HSBC online? Usually they'll get you a much better loan than the dealer can.

[Rand0m0sityxX]

Capital one denied me a few months ago when i tried to get one to get a used car I saw to deliver in.. =/ Whats HSBC?

Have you applied for a loan through Capital One or HSBC online? Usually they'll get you a much better loan than the dealer can.

[DejaWiz]

Capital one denied me a few months ago when i tried to get one to get a used car I saw to deliver in.. =/ Whats HSBC?

They're another financial institution. http://www.hsbcusa-autoloans.com/

[Rand0m0sityxX]

It says they arent doing auto loans anymore. =[

They're another financial institution. http://www.hsbcusa-autoloans.com/

[DejaWiz]

It says they arent doing auto loans anymore. =[

><

...sorry, I didn't even see that on there before I linked. Wow, of all places. That's some seriously weird news.

[Rand0m0sityxX]

=[ its fine.. I'm hoping something will pick me up without a cosigner or something.. I looked in the classifieds on here but like NONE are close to me.. >.<

[Bubs daddy]

Quote »And my family who does have the credit doesnt care to cosign for me, but my cousin can get a BRAND NEW car at 16 years old.. And its not a low end car either.. *shrugs* I want to try one of the dealers here that should be easy to get a loan, but I'm not sure, its a Suzuki lot with them and used cars.. [/quote]How old are you?

I don't believe there are any states that allow juveniles or minors to solely enter into a contract.

[Rand0m0sityxX]

I'm 21...

I'm not stupid, no states allow under 18 to get a loan..

How old are you?

I don't believe there are any states that allow juveniles or minors to solely enter into a contract.

[Johniboi]

Wow dude, good luck with everything!!! wish i could help...I know it isnt any of my busniess but did your ex do this as a revenge or something???lol

[Rand0m0sityxX]

Thats the only thing i could come up with.. I was supposed to re finance it to my name at 6 months of ownership but i missed it due to being behind on some credit things... =[ Should have done it tho.. may have been lucky..

I'm thinking of finding a good car for 2k or something and use it till i get a down payment and get me a blue hatch this time. instead of the sedan.

Wow dude, good luck with everything!!! wish i could help...I know it isnt any of my busniess but did your ex do this as a revenge or something???lol

[Johniboi]

Credits sucks. lol.

[Rand0m0sityxX]

It really does.. If i could go to Nissan tomorrow i'd get me a new one.. But I need a down payment first.. So Maybe in 4 months or something i can have a decent amount to pay to have a better chance at a loan? I hope so, I deliver and its getting to be Football season again, time for me to start walking out with $100+ a night after 10 hours of work..

[Bubs daddy]

Quote »I'm 21... I'm not stupid, no states allow under 18 to get a loan..

[/quote]I wasn't implying that you were.

[kc5f]

Quote »I was $50 behind this past month...

I was supposed to re finance it to my name at 6 months of ownership but i missed it due to being behind on some credit things...

Capital one denied me a few months ago when i tried to get one to get a used car...

If i could go to Nissan tomorrow i'd get me a new one.. But I need a down payment first.. So Maybe in 4 months or something i can have a decent amount to pay to have a better chance at a loan?[/quote]I hate to say it, but at 21 and with a bad credit history it's going to be tough to get a loan on a new car. Yes, having a large down payment will help, but especially with the current credit market, it'll be hard to find someone who wants to take the risk.

[bigdog]

what you should do is find a cheap beater that runs good (500-1000),pay cash for it,keep it running good & if or whatever credit cards & debt you have accrued focus on paying it off before getting a car loan. you'd be surprised at how fast you can turn your credit around. Also your allowed a personal credit report once a yr. & if you see anything on there that doesn't belong it can be disputed. Just some advice( been there done that),but it can be fixed w/determination.

[DejaWiz]

what you should do is find a cheap beater that runs good (500-1000),pay cash for it,keep it running good & if or whatever credit cards & debt you have accrued focus on paying it off before getting a car loan. you'd be surprised at how fast you can turn your credit around. Also your allowed a personal credit report once a yr. & if you see anything on there that doesn't belong it can be disputed. Just some advice( been there done that),but it can be fixed w/determination.

QFT. Focus on any current credit debt you have. As for the credit report, go to annualcreditreport.com, not one of the pay sites like freecreditreport.com, which requires you to enroll in their month-to-month pay services.

[Rand0m0sityxX]

Its not showing as bad yet.. its showing as limited, all i have is 1 cedit card and a different loan... I was behind by a month on the loan and didnt know if it showed yet.. But with it showing as limited, i cant get anything without a cosigner.. I dont know how to build it any better to show what i have done good to my credit and all.. =/

I'm finding me a car for 2K at most to use and saving to have a good down payment to get a bit better chance to getting the car on my own.. I'm just not sure how long that will take me..

I hate to say it, but at 21 and with a bad credit history it's going to be tough to get a loan on a new car. Yes, having a large down payment will help, but especially with the current credit market, it'll be hard to find someone who wants to take the risk.

[brainguyus]

I would guess that a large part of your problem is that you don't have what they consider a steady fixed income. Although you can make a killing doing delivery work, it's not considered steady and reliable. It also depends largely on how much of that income you claim. If you've been doing it for a few years and have claimed enough to show a decent income trend then you've got a shot.

Otherwise, not showing enough income, the current credit market, and the fact that you're going through a divorce is going to make it really difficult for you to get an auto loan no matter how large a down payment you have.

[Rand0m0sityxX]

yeah thats my problem.. I dont have to claim tips so i dont.. And i have no proof of what i make just my paychecks.. which is a little over $300 every 2 weeks..

I'm going to try and finance a reasonably priced used car, pay it off fast and maybe it'll build up my credit.. And then i can sell it for a little under what i bought it when i go to get me a new V..

I would guess that a large part of your problem is that you don't have what they consider a steady fixed income. Although you can make a killing doing delivery work, it's not considered steady and reliable. It also depends largely on how much of that income you claim. If you've been doing it for a few years and have claimed enough to show a decent income trend then you've got a shot.

Otherwise, not showing enough income, the current credit market, and the fact that you're going through a divorce is going to make it really difficult for you to get an auto loan no matter how large a down payment you have.

[bigdog]

dont know how hard it is to find a different job(not knocking the deilvery one you have),but one w/ a better paper trail. hopefully you could find something that pays more than 300/2wks & keep the delivery job for extra $$$$$$$$$. Which is always nice to have,LOL.

[Rand0m0sityxX]

I'm in the process of finding another one, but i have to find one with good hourly wage... Right now my finances are set to delivery wages, and its wayyyyy more then Minimum wage ( i get minimum wage hourly..)

I found a Yellow Chevy Cobalt that i'm going to check out, and 2 Nissan Sentras.. Hopefully i can get one of them, depending on the year, milage, and price..

dont know how hard it is to find a different job(not knocking the deilvery one you have),but one w/ a better paper trail. hopefully you could find something that pays more than 300/2wks & keep the delivery job for extra $$$$$$$$$. Which is always nice to have,LOL.

[Bubs daddy]

Quote »I dont have to claim tips so i dont[/quote]To the IRS you do.

[Rand0m0sityxX]

They don't make us.. You have to claim tips to the IRS if you make below minimum wage, to show that your still making what you would working with just the minimum wage..

Other pizza companies here do, but Pizza Hut doesn't.. The other pizza companies pay under Minimum tho..

To the IRS you do.

[Bubs daddy]

Minimum wage or not, the IRS requires all tips be reported.

All tips you receive are considered income and are subject to federal income tax. You must include in gross income all tips you receive directly from customers, tips from charge customers that are paid to you by your employer, and your share of any tips you receive under a tip–splitting arrangement with fellow employees.

If your employer reports allocated tips in Box 8 of your Form W-2 (PDF), you should report the allocated tips on Form 1040 (PDF), unless you have adequate records to show that you received a different amount.

http://www.irs.gov/taxtopics/tc402.html

[bigdog]

cash tips never leave a paper trail though.

[kcourtad]

i was 19 when i picked up my versa... and my credit was ****... nissan has a company that will pull threw for you on a new versa... they did with me... and my car is only at 11.9% witch isnt all that bad from what i heard... i think its called NAC or something like that... i know there main office is in Irving Tx... sry u had to give up your V... im fixing to give mine up to my little sister she needs a car... and i need a truck now...

[DejaWiz]

... Nissan has a company that will pull threw for you on a new versa... they did with me... and my car is only at 11.9% which isn't all that bad from what i heard... i think its called NAC or something like that...

It's NMAC (Nissan Motor Acceptance Corporation).