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J&J - Thread

Discussion in 'Original Pictures Forum' started by nnj18, Jan 31, 2009.

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  1. OP
    OP
    nnj18

    nnj18 LawnSite Silver Member
    Messages: 2,858

    That makes sense...
     
  2. RedMax Man

    RedMax Man LawnSite Platinum Member
    Messages: 4,049

    Nice new ride buddy. those trucks are pretty comfy and quiet inside. my buddy has one like it thats black.
     
  3. deere615

    deere615 LawnSite Fanatic
    Messages: 5,675

    I see what you mean, gotta start somewhere though
     
  4. Petr51488

    Petr51488 LawnSite Silver Member
    from NJ
    Messages: 2,388

    I know, i'm just saying credit cards alone won't build your credit, but it is a start. At first i was only able to get a few 500 credit cards. I would allways max them out and pay them off. Now i have an american express with no limit and 19k on a visa with countless offers in the mail everday.
     
  5. mrusk

    mrusk LawnSite Gold Member
    Messages: 3,260

    Maybe try to find a loan shark????
     
  6. South Florida Lawns

    South Florida Lawns LawnSite Platinum Member
    from usa
    Messages: 4,782

    I hear for people our age the best way to establish credit is finance a vehicle. Guess I was lucky when my dad co-signed for me back when I was 18. If I were you I would have financed that truck kept the cash and paid that truck off in a few years.
     
  7. Petr51488

    Petr51488 LawnSite Silver Member
    from NJ
    Messages: 2,388

    Yep, true. Usually there is no penalty for paying it off early.
     
  8. DoetschOutdoor

    DoetschOutdoor LawnSite Bronze Member
    from S. IL
    Messages: 1,815

    What are you guys making each year and showing the bank? That is one of the biggest thing for your age group. You dont have to publicly come out and say what you are making, just gotta think that if you cant get these vehicle and equipment loans at 18, it may be simply due to your not making enough yet in the banks eyes.
     
  9. OP
    OP
    nnj18

    nnj18 LawnSite Silver Member
    Messages: 2,858

    I tried to get a $5k loan for one year on it and was turned down....I didn't have a cosigner though.....I still dont see why they'd turn that down when my balance showed over $13k in the bank and I only wanted less then 1/2 of the trucks cost and just a 1 year loan....guess its the economy?????

    Haha Matt, I'd never go through a loan shark f'k that!
     
  10. OP
    OP
    nnj18

    nnj18 LawnSite Silver Member
    Messages: 2,858

    thanx and you're right, its a really smooth, comfortable ride and quiet...
     
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