sup everyone

I really wanna buy a new maxima but my credit is really bad...what are the chances that a nissan dealer can approve me? are there ways that they can approve my credit?

 

can someone please help me..?? i want a 2k3 max..put a deposit on it already..but afraid my credit might get turned down...

 

Your interest rate will be horrible. Payments will be HUGE! Buy something inexpensive and pay off the credit problems.

 

it's not gonna be easy to pay them off..i just recently lost my business...this economy sux...
are there any other ways..?

 

Get a co-signer. I guy I knew who had REALLY bad credit was able to get a 2002 Max. Funny thing is, he didn't actually sign it because they wouldn't let him. It all had to go in his mom's name! Pretty pathetic for a 29 year old.

I'm sorry to hear that you lost your business, I think we are all feeling this economy. But is buying a new car really the best move if you can't pay your bills already? Perhaps that is where the bad credit started?

 

werd. cosign.

 

if u dont mind me asking how come ur credit is so bad?

 

Umm.. if the economy is so bad and you lost your business..why are you buying a new $25-30k car?

If I had to buy a new car and was short on money I'd probably get a Sentra or a used car.

 

The 3rd gens arn't a bad car. I wouldn't mind havin one if I didn't have a 5th gen. My dad had a new 94 but sold it for his 5th gen which is now mine.

 

i agree..if u just lost your business, and i was in your shoes, i woudlnt even consider investing into a new car, hate to say it but sorry bro, it seems like the most important thing in your life right now isnt a car.....goodluck though

 

try and locate a 3rd or a 4th gen. You can get one for a decent price.

 

You are an idiot. I have sat here for 5 minutes trying to figure out how I am going to word this, but I am just going to leave it at that. You are an idiot.

 

Wow, that was a little harsh!

 

This is purely unprofessional and an outright personal insult.

Leave the grade school comments at home next time.

I've taken the liberty of reporting you to the moderator.

-R

 

cant we all just get along

 

Gang, let's not confuse cash flow with credit rating. While his credit may be shaky (at best), we have no idea what sources of $$$ he has. In a weird way, buying this car might actually be good for him since if he is ontime with payments, etc. it can help the credit situation.

 

Rodney King has a maxima!!??

 

"Unprofessional"? Are you done preaching with words you don't even know how to use? Who ever said this forum was professional??? You are just as much of an idiot as this guy is.

MaxRus clearly stated in his previous post that "it's not going to be easy to pay them off". This would imply that he has debt.

He also stated that he recently lost his business. This would imply that he has no job, unless there is some other source of income.

He also stated that because of all of these issues, he has bad credit.

With bad credit, debt that he admittedly can't pay off, and no job (still to be confirmed, but possible), he wants to buy a $25,000 car? Get real! Perhaps my response was a bit harsh, but putting a deposit on a car that he can't afford is an idiotic thing to do.

jjs- If he really wants to rebuilt his credit, he needs to get rid of the debt first. Any purchases at this point will only add to his debt to income ratio.

 

i agree that will all of the above taken into consideration, buying a new car right now is a pretty dumb idea, although in retrospect maybe calling the guy an "idiot" is a bit harsh.

maybe "dumbass" would've been better?

 

Remember, I said 'might'. He also said 'it's not gonna be easy to pay them off', not impossible. I think there is not enough information to make a final decision as to whether or not to do this. Discussing the 'wisdom' of the decision is a totally different thing.

 

Agreed. It was harsh, but the attitude of some people with bad credit amazes me. Some of them honestly think that they have been victimized.

 

You can talk about the semantics of his situation and try to further explain to him the logic behind his reasoning, yes. But to out and outright start calling names and using insults is unprofessional. Plain and simple.

Then you decide to pull the same thing with me. And like a broken record, you go over and over... you even attempt to blame it on the forum. I'm talking about common sense (which you lack) and decency (which you also lack). Have some respect and courtesy and avoid the personal insults. The guy may be asking silly questions or assuming otherwise, but you can explain this to him without calling names or such.

I'm sure if we compared notes, there would be somewhere that you were not as educated or talented, and we could take you apart as well. Trust me... your attitude reflects immaturity.

-R

 

But he meant it in a nice way. Some people don't respond to anything less than an insult.



He has alot of common sense. One reason he's a moderator. Do you think this guy will undestand a 400 level econ college level explaination?

Not valid to say. Why? Because he would REALIZE that he's not as informed in those areas and probably wouldn't put himself in the same type of situation. After all, the person didn't say "should" I buy a max(asking for advice), he said he "wanted" to buy a max and asked how to go about doing that with bad credit, losing his business and with existing debt that would be hard to pay off. Now he wants to pile on another $300+ or so a month of debt on top of that.

 

Why is it that every single thread, as of late, has turned into a flame war? If it's not about someone's spelling or grammer, it's regarding their taste in their Maxima, or credit record.

Why don't people here just answer the question posed by the original poster, and leave it at that. I don't recall MaxRus asking how to improve his credit, or whether YOU think he can afford a car. He simply asked whether he can get financing with bad credit. It's a "yes/no/maybe" answer--period!

There's no need to go and discuss his personal issues. It's getting old at this point. People trying to be wiseguys/smartasses, and it is getting annoying.

Bottom line--just answer the question at hand, or don't reply. This will also reduce the waste of server resources.

 

Again, to be "unprofessional", it would require us to be in a professional environment. We aren't, so that makes no sense.

Huh? When did I do this? You're losing it, my man.

I'm not the one with the crappy credit and debt that is trying to buy a luxury car. Ironically, I seem to be one of the few people here who is realistic.

Point noted.

You have poor grammar skills. Can someone please translate this sentence for me?

I don't see how being a realist can be misconceived as being immature, but you do have a relatively warped sense of logic, so anything is possible.

 

well said.

 

What point did you make in your post? Hypocrite. At least I offered an opinion. You offered the same generalized B.S. that 255HP did.

 

I am?

 

Oops. Rice mistake.

 

So the fact that this is not a 'professional' environment (in YOUR definition) means that you can have free will at insulting? Maybe I should have said that you were being disrespectful, rude, and inconsiderate. There, does that make you feel better?

You blamed it on the forum by saying it was 'unprofessional'. See the above paragraph, I'm not going to waste my time explaining.

Realistic? I was being realistic, too. Keep the insults to yourself... otherwise you sound like a third grader with an IQ near your belt size.

Humor me and give us all a grammar lesson on where, exactly, I had poor grammar skills.

Again, you turn to trying to put me down by judging my sense of logic (wherever that came from). You fail at communicating the moment you turn to insults.

 

You don't see the point? I suggest you read it again then, and if you STILL don't see it, re-read it AGAIN!!!

C'mon man, I'm not trying to start a 2nd grade flame war here. I'm simply stating the obvious. Start acting your own damn age for once, and get off your high horse!!!

You offered an opinion?!?! "You're an idiot" is, I suppose, an opinion of sorts, but a better question is: do we need such opinions here? I DOUBT IT!!!

 

Same thing I was thinking. Don't mind him he's

 

Again, well said.

It may be your opinion, but if it insulting, than I suggest you keep it to yourself and be a little more respectful and courteous. Otherwise, we can all start sharing our opinions of you.

 

asu..you talk like this to ppl in person..insulting them when they are asking for advice..??...not nice..

 

I said the forum is not a PROFESSIONAL ENVIRONMENT SO THEREFORE YOU CANNOT CALL ME UNPROFFESSIONAL. LEARN HOW TO READ.

Yes.

Please show me where you were being realistic in helping this guy with his credit problem. All you have offered is the same canned response that I was being mean and hurtful. WAHHHHHH! Cry me a river.

Who is insulting who now?

"somewhere that you were not as educated or talented......"
"take you apart as well."

If you must know, neither of these phrases is grammatically correct.

1. "Somewhere" refers to a physical, tangible place, not an idea or group of ideas.

2. You can't "take me apart". I am not a Lego set. There is, however, a popular expression known as, "pick you apart." Is that what you were trying to say?

Calling me immature, telling me I have an IQ the size of my waist and telling me that I have no common sense certainly aren't insults, now are they?

Do you have a point to make here that is even remotely related to this thread? Obviously not.

 

Actually, if we were all taking around the watercooler at work, I'd probably call him an idiot or at least stupid.

 

Maybe I am overreacting, but I have a BIG problem with people who refuse to recognize debt as their primary responsibility. If I met this guy in person, yes, I would call him an idiot to his face.

To jjs' point, he's probably right in the fact that we don't know the whole situation. He very well could be in the process of repairing his credit, but the statement he made about how the debt would be really hard to pay off is ringing in my head. That insinuates that he has very little intention of paying it off.

I have a client that owes me $44,000 right now and I am fuming mad about it. I guess it was just bad timing for this thread to pop up.

 

Yep, ALL of YOUR points have been related to this thread!!

Again, get off your high horse. If you want to correct grammar/spelling, please apply to your local elementary school--there's no need for it here. When I post, I don't re-read my post to make sure it adheres to others' standards, and I'm sure others don't either. I can see your point if someone writes something COMPLETELY incoherent, and you point it out, that's fine, but *****ing and moaning about the wrong verb tense or minor spelling mistake is just stupid! You can disagree with that, but I'd venture a guess that 90% of the members here would agree.

I wasn't even responding to you directly in my original post, as I have noticed a trend as of late of similar posts that end up being flame wars over BS, such as grammar, spelling, someone's personal matters, etc etc. If you're happy to participate in such threads, then what can I say, I have better things to spend my time on!

Anyways, hope you take the time to think about my points, instead of responding in a defensive manner with no forethought.

peace

 

see my response above.

 

Whatever.

I don't remember offering help for his credit problem... I do remember pointing out your behavior. Also, I don't remember saying you were 'mean and hurtful', but I said "rude, inconsiderate, and disrespectful".

Trying to turn the tables. A pathetical, typical psychological defense.

From Webster's Revised Unabridged Dictionary (1913) [web1913]

Somewhere \Some"where`\, adv.
In some place unknown or not specified

That unspecified place would be your brain... or the place of knowledge that you are tapping out presently while trying to find new ways to insult.

And when I said 'take you apart', I didn't mean 'pick you apart' (although, I'm sure that it would be fun to compare notes and pick you apart in your credentials, your logic, etc.)... I meant take you apart. Maybe you need a translator?

NO, they were just my opinion.