How credit screwed up my life 2.0
03-14-2008, 01:27 PM
#26
Senior Member
Join Date: 12-21-05
Location: Edison, NJ
Posts: 5,156
Likes: 0
Received 0 Likes
on
0 Posts
Good luck!!
Unfortunatley everyone else has screwed it up for the people with good history therefore making it so hard to get a mortgage now
Times have definitely changed....we got a no doc loan....they probably don't even offer that anymore.....lol
03-14-2008, 01:47 PM
#27
Senior Member
Join Date: 11-11-05
Location: Detroit, MI
Posts: 641
Likes: 0
Received 0 Likes
on
0 Posts
True, body kit is expensive and i forgot about 2.2L tuning. Haha, sell it! Get a 2.4L to keep the loan amount down and ins. down. Then turbo THAT.
03-14-2008, 02:00 PM
#28
Senior Member
people are not quick to lend you a few hundred thousand dollars regardless of the economy 
if you don't have a solid credit foundation, you won't get a mortgage. but, keep in mind that bad credit is MUCH better than no credit believe it or not. someone with a low credit score, but with credit that has been established for a while has a much better chance of getting approved vs. someone that has little to no credit, even if they have a good score. putting down a big down payment will definitely help since you don't have to borrow as much money, and they look at alot of things besides credit. income, bills, etc.
if you don't have a solid credit foundation, you won't get a mortgage. but, keep in mind that bad credit is MUCH better than no credit believe it or not. someone with a low credit score, but with credit that has been established for a while has a much better chance of getting approved vs. someone that has little to no credit, even if they have a good score. putting down a big down payment will definitely help since you don't have to borrow as much money, and they look at alot of things besides credit. income, bills, etc.Thanks!!! Yeah I got in a mess a few years back with medical bills and stuff and I'm digging myself out. I have a year of 100% clean credit and a stable job now so HOPEFULLY I'll be OK.
03-15-2008, 01:02 AM
#29
Yep. House is $80k, I'm borrowing between $64-70k so I SHOULD be OK. That and we haven't been hit as hard here with the mortgage crunch because houses are (obviously) very affordable here.
Thanks!!! Yeah I got in a mess a few years back with medical bills and stuff and I'm digging myself out. I have a year of 100% clean credit and a stable job now so HOPEFULLY I'll be OK.
Thanks!!! Yeah I got in a mess a few years back with medical bills and stuff and I'm digging myself out. I have a year of 100% clean credit and a stable job now so HOPEFULLY I'll be OK.
03-15-2008, 10:22 AM
#31
Banned
Thread Starter
Join Date: 02-13-08
Location: Pottstown, Pennsylvania
Posts: 695
Likes: 0
Received 0 Likes
on
0 Posts
the only reson why im debating on it is because i just bought an exhaust and all. but anyway. a guy called me last night and took all my info. he should be back to me on monday.
---
as for going out. i didn't get a chance to
im going to head out monday morning. or good friday, because i get a paid day off 
Last edited by VibrantCOBALT; 03-15-2008 at 10:22 AM. Reason: Automerged Doublepost
03-15-2008, 01:51 PM
#32
New Member
Join Date: 04-17-07
Location: Kitchener, Ontario
Posts: 192
Likes: 0
Received 0 Likes
on
0 Posts
You're making the right choice. THERE IS MORE TO A CAR THAN JUST THE ENGINE.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
03-15-2008, 03:42 PM
#33
You're making the right choice. THERE IS MORE TO A CAR THAN JUST THE ENGINE.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
03-15-2008, 03:46 PM
#34
Banned
Thread Starter
Join Date: 02-13-08
Location: Pottstown, Pennsylvania
Posts: 695
Likes: 0
Received 0 Likes
on
0 Posts
i had my 2.2 for almost 2 years, and the first time i drove a ss/sc it was a totally different car. I honestly wasn't expecting as big of a difference as there actually was. I had my car out of the red though, if vibrant trades in after having it a few weeks, he's going to lose an assload of money. is it a much better car? hell yea, no questions asked. but, at the same time it's not worth it if you have an assload of negative equity.
03-15-2008, 03:47 PM
#35
how much do you owe on your car now? trade in on these cars BLOW, i was lucky to ge 10,000 for my base model, but most guys get way less than that. I also drove 15 hours roundtrip to get that 10 grand, and got a good deal on my 2.0 for $15,000 with 15,000 miles.
03-16-2008, 01:25 AM
#39
Senior Member
Join Date: 05-11-07
Location: Bourbonnais IL
Posts: 4,741
Likes: 0
Received 0 Likes
on
0 Posts
I doubt they give you anywhere near what you want. I work for a dealership and they will only give me 15,500 for my 07 ss/sc with 9,000 miles in amazing condition. I was going to trade my balt in on a used vette today untill they told me what I was getting for my car.
03-16-2008, 02:09 AM
#40
New Member
Join Date: 04-26-07
Location: cali
Posts: 116
Likes: 0
Received 0 Likes
on
0 Posts
well i have a 06 LT cobalt with 41k miles. I hoping for like 7k dont really want to take any less. Got it year ago for 16k. I think in a few more months im going to trade it in for a SS/SC if a dealer would give me like 7k. would buy a subaru wrx but there too much.
03-16-2008, 10:26 AM
#41
Senior Member
You're making the right choice. THERE IS MORE TO A CAR THAN JUST THE ENGINE.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
The SS/SC does not share a single drivetrain and suspension component with the 2.2. The entire underpinning of the car is different. Then there's the interior which has nice touches here and there. Oh and Factory > Aftermarket.
Get the SS/SC.
Thread
Thread Starter
Forum
Replies
Last Post
Jesse
Problems/Service/Maintenance
2
09-28-2015 12:51 PM