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  1. So I am 25 right now and I started of a car loan with 28k after rolling over an existing car loan because I am an idiot but right now I have less then 5k left! That is only owning the car since march of 2016 so about 3yr and 3 months later I have paid about 23k so far. My loan expires on march 2022 https://imgur.com/Wpf4euH https://imgur.com/wRFNWuw I expect to finish this before even 2020 starts and no I didn't get no help financially or anything. About to own my car financially free and be saving bout $600+ a month!
  2. It is reporting to the creditor but no matter how much I pay my toyota auto loan will not make my score go up. I am saying that it is not helping with my fico score but it is on the credit report.
  3. Get a cheap beater car for like 3k. You don't need to go overboard and have a car with a payment because later on he may have to do some budgeting.
  4. Well I am asking because just like my car loan it doesn't go on my fico score even though I am way ahead of payment due dates and way ahead of my loan amount.
  5. Well not really worried bout credit report as I have so many other accounts. Trying to build up my credit score. I have a car loan I am almost done with.
  6. So I got a checking line of credit through NFCU like 6 months ago and I was wondering does it build up my credit score? For ppl that don't know what a checking line of credit is, its just like a personal loan so when your checking account hits 0 the checking line of credit takes the - balance so your checking account doesn't have a negative balance unless of course you use everything from your checking line of credit.
  7. Didnt you get taxed on the bonus money? I heard they tax you thats why I am trying to figure if its worth it. I don't really care bout the credit hit as it wont bother me because I am not interested in getting new loans right now anyways.
  8. I bet u I won’t:). Gonna see on payday if I can pay a lot more because I just recently finished paying of my Bank of America card which had a balance of 987.
  9. So I was just wondering if I ask for a CLI will that effect me badly like opening a new line? I know they will do a hard pull but is it the same as asking for a new line of credit type of pull?
  10. I guess but I am really trying to buy a house ASAP so I am looking at ways to save money on bills and whether paying of the best buy credit card is a smart idea or paying down other bills. As of right now I am kinda renting and its alright but I want to move out before I turn 28. I know my car will be finished soon and if I could I would put every money I could on my car note because I have 6k left
  11. I don't buy techs or anything. I don't even have an apple watch or samsung etc... The only recent tech I bought was from best buy which was a 60 inch samsung 1.6k worth of tv which was a yr and a half ago latest smart phone is a an iphone x 256gb(when it was released). I do like cars as you can already tell. the last furniture I had bought was a $800 queen bed from discount bobs furniture which was 4 yrs ago and that was paid off with a 0% card to.
  12. I’m not new to 0% interest offers. Like I did mention I took advantage of BOA also when I had balance transferred 3k and I be done this month with the pay of to which I am finishing with $843.43.
  13. Saving money of course. Screw the FICO score because I wouldn’t need to buy anything but a house might be next because I’m only 25 and I might want a house soon, no renting. Eh I had a huge bill on my BOA but I used that for the balance transfer while it was 0% though so now that card is useless to me since it’s been closed. My next balance to tackle that’s a little high is one of my navy federal cc but interest is not to bad as it’s only %16 considering how my credit score was. The only reason I like 0% interest is I can always have time to pay it off without paying fully and no extra money is going out.
  14. So my bestbuy credit card is running out of the 0% interest in 5 months and I have $532.15 left which I’ll pay off in 5 months if I Want to PIF other wise I would pay $100 increments like I have been and pay 132.15 at the end of the 1 month left but I am also paying off my BOA cc which has $843.43 balance since it’s 0% interest is gone after this month. I have 6 other credit files excluding my car which I might pay $700 or 1k because I have 6k left on my car which would leave me with 5k or 5.3k afterwards.
  15. There is no fees if you refinance. I meant I was stupid as in I traded upto 4 cars to get to this price because the car originally was 21k but I had 7k negative equity which made it higher and my credit took a hit because I traded 4 cars.... My apr isn't bad considering my age though because I got 6.19% and like I did mention no one helped me out with anything. My next toy is to try and get a mustang gt manual v8 after I finish this car(not trading this car in) under 13-15k.

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