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Originally Posted by FFMaro
Exactly, I am just asking if anyone would have an idea as to how long it might take me to build enough credit history to make my purchase.
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Tough to say. A parent co-signing may be the best route to the lowest rate. It will depend greatly on the banks lending guidelines at the time you apply. They have been bouncing all over the place lately. A down payment will make the bank more comfortable. Starting early on a retirement plan is also a very good idea. Good luck!