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Jan 25, 2023
7:47
:55
pm
novacoug1
All-American
Just get a college credit card if you want to improve your credit
Make the payments for a year.
Better than paying interest when you don't need to
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novacoug1
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novacoug1
Joined
Jan 31, 2012
Last login
May 3, 2024
Total posts
9,672 (28 FO)
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Messages
Author
Time
<< Deleted >>
cvd6262
1/25/23 7:44pm
Any on time payment builds credit.
BlooCoog
1/25/23 7:47pm
Just get a college credit card if you want to improve your credit
novacoug1
1/25/23 7:47pm
^^^ this is what I would recommend. My dad helped me get my own CC, left it to
gww687
1/25/23 7:52pm
Also add him as an authorized user to all of your credit cards, just don’t give
Cougs or die
1/25/23 7:59pm
This is how I did it (unintentionally). First loan I ever got my FICO was 800+
DiamondMo
1/25/23 9:00pm
Unless he wants to build credit to buy another car. You can be declined on an
Negative Equity
1/25/23 8:12pm
If it’s just build credit, add him to your CC and never let him see the card. Credit score will go up
FromCAtoUT
1/25/23 7:57pm
CC credit is not he same as auto buying credit
Negative Equity
1/25/23 8:08pm
Let me get this right
novacoug1
1/25/23 8:16pm
What I’m trying to say is that no matter the credit, good or bad, you can be
Negative Equity
1/25/23 8:29pm
<< Deleted >>
cvd6262
1/25/23 8:12pm
Per Dave Ramsey,😁, no need to build credit. Also, don't lend money to family...
Boredname Checks Out
1/25/23 8:02pm
You only pay interest on the balance so finance the whole amount
Negative Equity
1/25/23 8:07pm
<< Deleted >>
cvd6262
1/25/23 8:13pm
None. It expressly says on every retail installment contract I have ever seen
Negative Equity
1/25/23 8:14pm
True but it may not change his monthly payment
cougarfann888
1/25/23 8:25pm
The payment is dependent on amount rate and duration. Decrease the first 2 or
johnnybyu
1/25/23 8:29pm
With most loans I have had they would just make you continue to pay the original
cougarfann888
1/25/23 9:02pm
Banks will do this, some credit unions will let you have prepayment defer
Negative Equity
1/25/23 9:04pm
Sorry just read detail about paying a big chunk the first month. Yes that
johnnybyu
1/25/23 10:32pm
At some credit unions when you pay ahead your next payment isn’t due until
Negative Equity
1/25/23 8:32pm
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