Finally went and did it.

**deathgodusmc** · 08-15-13, 05:10 PM

See this is what happens when you work for 22 hours sleep for 4 and go get lunch. The funny part is my credit score was 0. Its been so long since i used anything but my money to buy shit they wiped my credit score. So 19% interest for 6 months then i'll go refi at the bank. Even the guys at the dealer said man you have a good credit history but its been over 4 years since anything has been on it.

**Gunny** · 08-15-13, 08:54 PM

Looks good, what year?

**deathgodusmc** · 08-15-13, 08:55 PM

2008 with 70k miles and a v-10

**Hocus Pocus** · 08-16-13, 03:00 PM

Originally Posted by deathgodusmc

See this is what happens when you work for 22 hours sleep for 4 and go get lunch. The funny part is my credit score was 0. Its been so long since i used anything but my money to buy shit they wiped my credit score. So 19% interest for 6 months then i'll go refi at the bank. Even the guys at the dealer said man you have a good credit history but its been over 4 years since anything has been on it.

19% !!!! Is that even legal? Go to a credit union...

**dex71** · 08-16-13, 03:54 PM

Originally Posted by Hocus Pocus

19% !!!! Is that even legal? Go to a credit union...

I almost shiite at that too.

DG.....Does the incredibly high interest rate have anything to do with being in Florida and not having a sales tax?

Nice truck, though. My buddy has the v10 in his Excursion and has had nothing but great luck with it.

**HeavyG** · 08-16-13, 04:08 PM

Originally Posted by dex71

DG.....Does the incredibly high interest rate have anything to do with being in Florida and not having a sales tax?

Florida doesn't have a sales tax? I think I may have been robbed! My entire life...

**dex71** · 08-16-13, 04:14 PM

Originally Posted by HeavyG

Florida doesn't have a sales tax? I think I may have been robbed! My entire life...

K....So maybe I was thinking of State income tax.

I'm in Minnesota......One of the highest taxed States in the nation......In fact, I think I now owe a tax for this post.

**deathgodusmc** · 08-16-13, 04:47 PM

Originally Posted by Hocus Pocus

19% !!!! Is that even legal? Go to a credit union...

Originally Posted by dex71

I almost shiite at that too.

DG.....Does the incredibly high interest rate have anything to do with being in Florida and not having a sales tax?

Nice truck, though. My buddy has the v10 in his Excursion and has had nothing but great luck with it.

Yeah up to 29% i believe is legal. The issue is i had decent credit but seeing as i have no bills and have paid everything in cash for years my credit score does not exist now. Its just a blank line. Come to find out if you dont use your credit for like 4 years they clear the slate as far as the scoring goes.

I would be pissed but i have kept a few things in mind. First i can refi in 6 moths because my score will not only bounce back but increase. Second the entire truck is a business write off for me.

I drove it about 150 miles today and i have to say it is a nice truck and the v-10 is a good running motor. I even got the mileage per gallon up from 8.4 to 10.2.

We have sales tax what we dont have is personal state income tax.

**Stealthyking** · 08-16-13, 06:00 PM

What you need to do is keep a credit card and buy your favorite candy bar with it everyday for lunch, Then pay the balance off in full each month, Should keep something on your credit history so that his doesnt happen.

**deathgodusmc** · 08-16-13, 08:11 PM

Originally Posted by Stealthyking

What you need to do is keep a credit card and buy your favorite candy bar with it everyday for lunch, Then pay the balance off in full each month, Should keep something on your credit history so that his doesnt happen.

Yeah by the time i tried that it was to late. It use to be a good thing to owe no one a damn thing. Now you have to owe someone or have recently owed someone just so you cant get approved for shit.