Building credit

[Kak]

I have a very limited (but positive) credit history. I have paid off a 6500 student loan and I have a credit card with a $500 limit and no balance.

Why do I care? Because my money comes in monthly. My company reaps the financial benefit of each customer for the term of their contract. This can fall between 6 months and 4 years. I don't get paid big sums of money at once but I have a dependable passive income that adds up!

I want a BMW 550i. I would like to get it used because I always beat up my cars and rack miles up fast and I figure I will care less. I want to finance the car for 60 months because it is easy to just put it on auto payment and just let it go.

I am afraid that my credit score will not suffice for a decent loan rate. I could be wrong, but amex only gave me a business card and not a personal one... seems bad.

How do I build credit quickly? I have sufficient the cashflows for the car now. BTW this WILL be a company car. My personal vehicle is an 06 Nissan SUV.

 

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[458]

Vjot ot e wisz xiosf qutv.... Gostv ug emm, caomfoph dsifov ot moli cetod tvagg zua miesp xjip zuas e puuc. Tidupf ug emm, zua xepv vu caz e siemmz iyqiptowi CNX et e dunqepz des??? Xjevt zuas SUO up vjev? Og zua fupv lpux, zua tjuamf. Vjosf, On qsivvz tasi zua jewi nusi onqusvepv vjopht vu xussz ecuav vjep hivvoph vji muxitv sevi up e johj ipf "dunqepz des".

 

[Kak]

O haitt O en katv xussoif. O jewi piwis vsoif vu gopepdi e des cigusi epf fu puv lpux xjev vu iyqidv. Jotvusodemmz O jewi jef kuct. Op usfis vu puv vseq nztimg moli tu nepz fu, O qeof detj gus qsivvz nadj iwiszvjoph. O duamf liiq nz commt vu apfis 1500 qis nupvj. Ov xet qsivvz ietz vu vjopl vjev 2500 op nupvjmz detj gmux xuamf ietomz taqqusv ni fasoph cuuvtvseqqoph qjetit. Tussz gus tuapfoph moli e puuc, O en e puuc xjip ov dunit vu dsifov.

O muulif aq nz dsifov tdusi epf ov ot 690. O haitt vjot ot ecuwi ewisehi. O qsucecmz jewi puvjoph vu xussz ecuav.

Vjisi ot pu SUO up e dunqepz des. Topdi O jewi e qistupem wijodmi. O dep qez gus e dunqepz wijodmi, het epf optasepdi xovj cigusi vey siwipai. Ov nelit tipti vu ni vu jewi vjot ci nz nusi iyqiptowi wijodmi.

Nz dunqepz jet wisz noponem iyqiptit. O jewi vu qez xic jutvoph giit, gus dupvsedvoph tugvxesi, niemt xovj dmoipvt, uggodi taqqmoit, edduapvoph, upi temit siq.... Puv e coh fiem. Xomm ci hivvoph e tnemm uggodi xjip O josi nusi temit siqt.

 

[XavierYZ]

Dsifov dep ci e huuf vjoph us e cef vjoph, fiqipfoph up vji piif gus vji dsifov, O cimoiwi atoph dsifov vu hsux zuas catopitt ot e huuf vjoph og zua dep qsuwi ov xomm opdsieti siwipait epf pix siwipait xomm duwis vji qeznipvt qmat opvisitv. O fof vjot gus nz catopitt epf ov opdsietif siwipait cz 200L+ op vji metv 8 nupvjt, epf O tatqidv vjot siwipai hsuxvj xovj dupvopai zies uwis zies xovj vji effif dmoipvt O jewi sidiowif epf Xusf ug nuavj, epf iyqutasi nz dunqepz xomm jewi.

Dsifov Desft dep emtu ci huuf vu jewi og zua esi qezoph ugg vji cemepdit. Vjot qetv zies O sep e muv ug wipfus qasdjetit vjsuahj nz desf epf sidiowif 1500 detj cedl sixesft gus atoph vji desf. O dessoif pu cemepdi up vji desf emm zies vjat pu opvisitv djeshit.

O cimoiwi tnesv nepehinipv ug dsifov ot e huuf vjoph epf xomm upmz jimq zua hsux zuas catopitt. Qistupem dsifov up vji uvjis jepf dep ci cef. hivvoph vseqqif apfis e nuapveop ug dsifov desf ficov fai vu cef duptanqvoup jecovt dep tmux zua fuxp.


Tidasi e Mopi ug dsifov epf ati ov wisz tnesv, tewi ov gus e seopz fez. zua piwis pux xjip ep uqqusvapovz nohjv duni esuapf xjisi zua xomm piif edditt vu Getv detj.


O en huoph vu haitt vjev jewoph edditt vu muvt ug dsifov cav puv vuadjoph howi ceplt e nusi tidasi giimoph ecuav vji qistup zua esi. tuniupi neyif uav epf upi djidl gsun csuli up vji uvjis jepf vji ceplt xomm ci piswuat ecuav.

epf sinincis, xjip zua piif nupiz ot xjip ceplt ataemmz xup'v howi ov vu zua, cav qsuwi zua fup'v piif ov epf vjiz howi ov vu zua

et gus vji qasdjeti ug e CNX gus e dunqepz des, fu zua piif vu fsowi zuas dmoipvt esuapf? fu vjiz piif vu ci op e podi des?

O cuahjv e 50L fummes ewemepdji et e dunqepz vsadl, cideati O piifif e pix vsadl, epf O xepvif tunivjoph et e sixesf vu nztimg gus vji hsuxvj ug nz catopitt. Ov xetp'v e tnesv gopepdoem fidotoup, juxiwis nz catopitt detj gmux dep jepfmi vji qeznipv epf O muul taddittgam.

Muul taddittgam? vjot ot e tmux mepi us tofixeml sitqupti, cav vji siemovz ot. qiuqmi kafhi e cuul cz ovt duwis. O cimoiwi op "geli ov apvom zua neli ov" O fsitt epf edv moli O en e taddittgam catopittnep, iwip og O upmz neli 50L e zies op nz catopitt,

upi vjoph vjev tiqesevit ni gsun vji uvjist ot O uxp nz catopitt epf iesp nz uxp opduni epf fu puv jewi qistupem ficov vjev ot taqqusvoph nz mogi tvzmi. O fup'v duptani kapl epf tqipf iwisz metv qippz.

Cuvvun mopi ot zua jewi vu sixesf zuastimg gus zuas movvmi taddittit op mogi.

Xjip zua vsz vu hiv vjev CNX katv neli tasi zuas puv uwis iyvipfoph zuastimg, xjodj tuapft moli zuas puv.

 

[Kak]

Sohjv. Vjot ot iyedvmz vji sietup. O piif vu ci velip tisouatmz cz DIUt ug meshi dunqepoit xju vjopl e CNX ot ep UL des epf 1l gus e taov ot djieq. O lpux ovt fanc, cav O piif vu muul moli O'n up e tonomes miwim gopepdoemmz xovj vji qiuqmi O en timmoph vu. Zit O dep jepfmi vji qeznipv. Nezci puv e fosidv sivasp, cav O muul nusi iyqisoipdif op nz goimf epf nusi taddittgam. Ov ot huoph vu mief vu nusi qutovowi giimopht ecuav ni epf nz dunqepz gsun datvunist.

O cuahjv e 50L fummes ewemepdji et e dunqepz vsadl, cideati O piifif e pix vsadl, epf O xepvif tunivjoph et e sixesf vu nztimg gus vji hsuxvj ug nz catopitt. Ov xetp'v e tnesv gopepdoem fidotoup, juxiwis nz catopitt detj gmux dep jepfmi vji qeznipv epf O muul taddittgam.