I am a New Member at Similar Worlds

@angerbird yea i been with my credit union for almost 1 year now. Lol so only 2 ppl known iwant a car am looking at one for $1100 then another for $1500

Oh ok.. I've never had credit.. They keep trying to send me credit cards in the mail and I don't want them!! O.o

@jarjar that's a big improvement from having no credit at all 6 months ago.

Not yet. Even 600 is classed as a poor score, but you are getting there. Well done.

We joined a credit union when we bought our last car :D

Cool.. Cars are nice :) lol

As crazy as this sounds, your credit score may improve if you actually use your credit cards and pay them on time, or in full.

@tminus i wasn't spending money i was building up my credit score which use to be zero and then had a house fire last month. So that set me back

Why do you want to borrow the money tho? Borrowing is bad.. It's expensive.. Saving up is better..

Good credits scores are in the mid 700's and excellent is over 800. I think you might have problems

@sky...my point is the bank will give you a loan if you have collateral, a car is collateral

+carissmi thank you i dont believe in using credit cards so never use them. I just pay bills on time

Probably not if so they will give you a huge finance charge

A loan for what? a car, most likely... spending money, no

My husband's credit score is over 700 something or other :D

@carissmi it did improve by a lot so no credit cards.

@tminus am not with a bank i mean. My credit uniom

@akindheart i know that

417 is not that great

@angerbird borring is not bad its only bad when dumb ppl use it.but am with a credit union