The simple fact is that I need to buy a new car. I make good money and I could afford a car payment. The problem is that I can’t buy one for a simple reason, my credit is not good enough for people to give me a loan. That means I cannot buy a new car. It’s hard to look around at all the cards you want, and then look at your credit score and think I can’t get any of them. Mine’s so low that the kind of car I could afford with good credit and the kind of car I’ll be able to get once I finally get one is depressingly drastic. Overall, It shows what the credit score really, truly means. In my case, it is the difference between getting a nice car when I need to replace the one I’m driving, and getting whatever I can afford on my own. Now that I know this, I’ve got pretty good motivation to get my score up, but for some reason, it never occurred to me really before.

Filed under: budget