okay SGers... i need some advice.
i am trying to purchase a condo. the cost is $187,900. the problem isn't a matter of me affording it. i can handle that no problem with the monthly rates. the problem is, i have no credit.
brokers and lenders won't allow me to mortgage this condo because my credit report is showing up blank... well duh! credit card companies won't give me a card because of the same reason. so how the fuck am i supposed to build credit?
i did have a credit card at one time, and canceled it when i quite my old job. i have never owned a car lease, or even a cell phone in my name. though i do make payments for all of these things, it is to my parents, since they own everything. as for building credit through an apartment, i wasn't at the apartment long enough to real any level of credit, due to my abduction forcing me to move after only 6 months.
i want to close on the condo by june 30th so i can recieve the $8,000 tax return for first time home buyers. the average home here, in a decent area is $225,000, and that is out of the question.
so what do you suggest i do? keep in mind that virginia sucks and our laws on lending are obnoxious.
i am trying to purchase a condo. the cost is $187,900. the problem isn't a matter of me affording it. i can handle that no problem with the monthly rates. the problem is, i have no credit.
brokers and lenders won't allow me to mortgage this condo because my credit report is showing up blank... well duh! credit card companies won't give me a card because of the same reason. so how the fuck am i supposed to build credit?
i did have a credit card at one time, and canceled it when i quite my old job. i have never owned a car lease, or even a cell phone in my name. though i do make payments for all of these things, it is to my parents, since they own everything. as for building credit through an apartment, i wasn't at the apartment long enough to real any level of credit, due to my abduction forcing me to move after only 6 months.
i want to close on the condo by june 30th so i can recieve the $8,000 tax return for first time home buyers. the average home here, in a decent area is $225,000, and that is out of the question.
so what do you suggest i do? keep in mind that virginia sucks and our laws on lending are obnoxious.
VIEW 12 of 12 COMMENTS
but i know this wont be in time for this condo. soooo... danny and i decided:
since my parents pulled out and left me fucked in this deal, after getting my hopes up (since us moving out and getting our own place was entirely their idea), we arent moving at all. we will be staying here to build up our credit and save as much money as possible. then when we think we are ready, were moving. whether its to oregon, california, washington state... it doesnt matter. were getting the fuck out of virginia and finally starting our lives.
Also, staying and saving sounds like a good plan. Just don't kill your parents.
Anything on the dresses??