Was just my opinion bro, maybe things work differently where I live, but my credit is excellent enough to purchase a $450k house and I've only had a $10k line of credit, no loans.

This post made me laugh cuz I bet I have a better credit score than you do. I don't take out stupid loans on items I can easily pay for in cash.

Considering he had to put down his motorcycle title as reimbursement in case he cant pay for his toy loan in order to get approved tells me that he shouldn't be taking a loan out on a toy.

fuck! i missed the beginning of this argument, brb grabbing popcorn quick!!

A collateral loan guarantees a better interest rate than an unsecured personal loan.

Back when I was building credit I took out several consecutive savings secured loans. Bank loans money, puts it in CD with maturation period the same as loan term. Pay payments on loan, CD matures after last payment, you get your money back. It worked wonders and helped me save. I picked up 30pts off the first one, 20 off the second, and about 15 off the third. It put me in a good enough place to get 3 credit cards with 6, 10, and 12k limits. After the hard pulls came off from that I had a 764 with near 0 utilization.


You will also find that a story loan like a land loan or mortgage will encompass a lot more than your score. You can have a good score without much loan history and the loan officer will get squeamish. A 720 from nothing but credit cards won't get you a mortgage. Not anymore.

please tell me more about my score and history. Also 720 aint shit compared to my score

shits definitely different in BC Canada where I am.

The only thing I could see using of of those type quads for is putting around the race track, but we have a honda 700 utility tav for that, and btw that thing is fun to rip on, big heavy and it still moves good (for what it is)

Point out where I said anything about your score or history in particular? Calm down bro.