Quote:
Originally Posted by trudawg660
i had/have credit card debt but i kinda played the system. i have two USAA credit cards. one had a balance of like 3000 and the other have like 1500. well when it came around the time for my statement for one i did a cash advance from one of my cards to my bank account and paid off the other credit card . and did the same with the other card when the statement was due. just moving my debt around so the credit agencies couldn't see it. so i ended up with 4500 on one card and the other card was at 0.
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Right now, right now, I have $4700 on one and I have $400 on another (hey it's better than it was back in October, $14,000 combined!!!
). For sure I'll pay both of these of in July.
Quote:
Originally Posted by babyjulie83
A credit score of 711 isn't bad....why do you think you won't be approved for a loan, because you have credit card debt? Other items are taken into consideration besides your credit score....such as annual income, recent late payments, debt to income ratio.
I'm worried about getting approved but we shall see.....once I get a VIN# i'll start shopping around.
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Mostly yes, b/c of dumb cc debt. But also, my credit doesn't really extend past credit cards. I have never had a car or home loan before so I think that may affect me negatively as well.
Either way, I think I'll have my pop co-sign. Thanks everybody!!!
