Wondrous Apparitions, Provided by Magicians.

If I could get a loan, that would probably be relevant. As it is, I think it's plasma and blowjobs until I can pay cash for the thing. And I better hope I can command a good rate on blowjobs, cause I ain't got that much plasma. :-P

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celtic-elk.livejournal.com

*stifles the first several dozen comments*

Um...sorry to hear that....

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diermuid.livejournal.com

Well, the puzzle stated that money was not a factor... 8-)

Funny thing, my favorite martian was just talking about BJ rates yesterday... her sister gets $50 from the truckers down south, and it's a substantial side-income. That has MFM thinking that she can charge $100 since she is prettier than her sister. However, despite such high ambitions, she is still 4 months behind on her car payment. I suggested that at $20, it might be more work, but she would get a lot more takers. Her response was that $20 is meth-ho prices, and she's better than a meth-ho. I had to point out that if I wanted a BJ, not only do I have a number of her friends that have offered me a free one, but if I was going to pay, I would go for the Kmart generic brand, not the Dillard's overpriced one.

::shrug:: this topic is going beyond horrible, I think I'll stop digging now.

On the car, Anything you can get for cash will likely not be more reliable unless you pay quite a bit of cash... remember that everyone else is getting rid of THEIR car because it was too much trouble for THEM. 8-)

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He meant to say that money was not a factor, but typed the opposite -- I think he's corrected it now.

Thank you for your invaluable assistance in establishing 'market price' for a blowjob. :-P At trucker rates, I'm about 228 blowjobs from the car I'd like to buy. :) (I'm not considering buying the sort of car I could currently afford to pay cash for, as you mention, there's no percentage in it.)

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karinablack.livejournal.com

Zomg! :(
That's insane the number of repairs you've had to have!

Time to sacrifice it to the down-payment Gods.

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Eh, most of it was one big one. :S

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How many places have you checked for loans? What about getting a co-signer?

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Just my bank, which was the first stop because they're a credit union and the most ultra-liberal financial institution ever, and they know that a) I have money in the account and b) I deposit paychecks real regular-like (which is to say that they could automatically take the payment right out of the automatically deposited paycheck). They said no way, and also no way even if I got someone else to co-sign.

I have a hard time imagining that someone else will lend me the money when the people who can take it right out of my paycheck turned me down.

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Nah, there's just people who will give you a credit card with a $30,000 limit and 0% interest for six months...

I'd try a couple other places before giving up completely. Also get your free credit report; it's possible there's something on there that shouldn't be. And it can't hurt to ask your bank what, in particular, scared them off; it might be something you can fix. I was told once that canceling credit cards I don't use (mine were those "sign up for the card today and get 15% of your purchases" ones) would make people much more likely to give me a loan.

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I don't have any credit cards. The thing that makes me ineligible is a bankruptcy filing from 2005. That's legitimate, and not coming off the report any time soon. There's nothing else on the record at all.

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Actually, NOT having credit cards is probably hurting you at this point. The only thing on your credit history is bankruptcy, so you need to prove you can make payments. It's dumb - you'd think staying solvent would be enough reason to think you're a good bet - but they want to know you can handle *credit*, not cash.

I guarantee you can get a credit card. So get one, charge $20/month on it, and pay it off each month. This will start to build up your credit to show you can actually handle it, in a language creditors understand. My dad went bankrupt a while back, and it didn't take 10 years for him to get another loan...you just have to play their game a bit.

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Since 2005, I have tried to get a credit card three times, and been denied. Two of these were "secured" cards, where you give them money equaling the credit limit on the card up front. One was a normal card, and I was not alarmed to not get that one. The other two were... an odd experience. :(

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Wow, that *is* strange! Have you considered talking to a real "credit advisor" kind of person? It sounds like there's something different going on here...

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I didn't know there were such people. How do you suppose one goes about finding one of them?

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I'd ask at the bank first. Be careful of "credit counseling agencies" - they can be shady. Ask to speak to a loan officer at your bank, and if they can't help you directly, I bet they can recommend someone.

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The credit counseling agency people I have spoken to in the past, before I filed. They wanted me to just pay them all the money, but they wouldn't guarantee that all, or even any, of the money I paid would actually go to my creditors. Somehow, that didn't seem like it was going to be a good plan.

I will call the bank again and see if I can get anything of use out of them.

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Yeah, it's kind of like finding a good tarot reader (or similar). There are an awful lot of sham people out there, and there are some who are actually good. :) I don't know the title of the kind of person I'm thinking of - but they're closer to a CPA or a personal financial advisor than a for-profit credit counseling agency.

Poking around online, I found a couple interesting things. This article (http://articles.moneycentral.msn.com/Banking/BankruptcyGuide/BounceBackFastAfterBankruptcy.aspx) says that sometimes your credit report isn't annotated correctly to say that your outstanding loans were taken care of in the bankruptcy - so it looks like you filed for bankruptcy AND you still have all those outstanding loans that you haven't made a payment on in years! It also tells you how to get a free copy of your credit report, and how to decipher it. And this one (http://articles.moneycentral.msn.com/Banking/YourCreditRating/7FastFixesForYourCreditScore.aspx?page=2) tells you what big errors to look for on your report that may be artificially reducing your credit score.

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dramaticaddict.livejournal.com

yeah, I have the same problem... I put checks in my account all the time, when I do accidentally overdraw my account (ultra rare now that im not with SUCK of America) it gets paid off immediately and is only by a few dollars.
but still, I cant get car insurance from several companies, or a loan for a house with payments lower than rent would be, all because I have no credit, and dont make enough to try to get any....
wtf?

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Eh, I may be over stepping my boundaries and if so just let me know. Why can't you get a loan? My car payment is only $215/mo & my insurance only increased $10/mo, because my car is soo much safer than my older cars.

If it's a bad credit thing, spend the next month cleaning up your credit and saving. December is an awesome time to buy cars, especially the very very end as the dealers want them off the lot before New Years and most people are broke due to Christmas and not buying. Duking out two new cars over three years has taught me a lot if you need pointers.

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I filed for bankruptcy in 2005 to get out from under the debts I ran up while trying to keep the Crap Ex Who Would Rather Leech Than Work in the lifestyle he preferred.

The cleaning up of credit at this point would require someone to actually give me credit, which no one will do. The cheerful woman from the bank suggested several way to acquire credit that I have already been turned down for in the past year since I came to the conclusion that I was going to have to buy a car before the bankruptcy came off my record, which I thought was supremely Not Fucking Helpful. I have savings. I can afford a car payment. I just can't afford the entire car at a go.

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Can you get somebody to co-sign with you?

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You know, I asked about that. They told me it would not be possible for them to loan me money even if I had someone co-sign the loan. Now, I have never heard of this before, so that was the really cranky-making part.

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Yeah, screw the banks. I only get a loan through a bank if I'm buying from a person. Otherwise, dealership wants to make the sale so they will jump through hoops to get you financed.

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I'll certainly try it. I can't keep driving the car I have, and walking to work would occupy more hours than I currently spend there, so a solution must be made manifest.

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Whatever you do, don't stay at the dealership through the whole process. They try to wear you down that way. Just fill out the credit app and tell them to call you.

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starrthinks.livejournal.com

I'm sorry you are having all this issues with your car!

Maybe you can find a decent buy here pay here type place? I hope it all works out.

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magdaleneseal.livejournal.com

Having been in your shoes before, may I offer you some advice? If you have filed for bankruptcy and it has been discharged over six months, you will have no problem financing a car on your own without a cosigner. Understand you will probably need a down payment of some kind. The interest rate will be high- but you should be able to to any major dealership and get financed. CarMax does work with people who are rebuilding their credit. We bought our truck from them and are very happy with it. Check around town and see what you can find before throwing in the towel.

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