Ack. Bleck.

[featherynscale]

Car bill will run approximately $300. I think that puts me at about $1800 in repairs for the past 6 months, which is equivalent to a low-end car payment.

On the bright side, the guy at the shop thinks he knows someone who is looking to buy a small car for cheap. I told him to talk to this alleged guy and see what he'd give me for the car. I have to imagine that this will be a better deal than whatever they're willing to give me in trade at the dealership. In any case, it's nice to have another option.

EDIT: Bonus round. I can't get a loan for a vehicle. The PARADE OF FAIL continues.

Comments

[otterkin.livejournal.com]

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.