Saturday, February 10, 2007
What a Week
So, my husband and I filed our taxes on Monday and got back $3388. We haven't gotten the baby's social security card yet so we are going to have to amend our taxes once we get it and then we'll get like another 2 grand. Anyway, we paid all of our bills and paid off our laptop and then went and got a car. I was getting pretty discouraged at first. I had paid $49 for this auction site called seizecars.com because it had made it seem like there were so many auctions in our area with such a selection of cars. But when I joined it, I found that there were no auctions listed in Nevada at all! I hate sites that deceive you like that. So I called their customer service department and got my refund. Then, my husband was trying to get me to buy a minivan from some guy he knows. I was furious. A minivan? What do I look like a thirty-something soccer mom? So, I was starting to think that I was gonna have to buy another bucket, and just deal with the fact that I don't deserve a nice car. Then he went to the dealership that we had gone to before that had been willing to give us a car before he got fired from West. They helped us select a car, and I was being really picky. I'm sure my husband and the salesman were both getting frustrated. But so was I. I wanted a car that was made in this century, that looked nice and that I would look nice driving. And I really wanted key less entry, preferably with an alarm. We ended up getting a 2001 Nissan Altima. It's black, power everything, sunroof, the works. It even has a CD changer. I was ecstatic. We went to the dealership Thursday to sign the paperwork.
When it came time to sign the paperwork, my entire mood was ruined. The salesman said "There's no way you can get the car with her on it". He said that if we had the car for six months to a year, then we could refinance or trade it in and he could co-sign for me. I couldn't believe it. I was making the down payment (and I say that because the reason we got so much money in our tax refund was from EIC from my daughter), and I am going to be making the payments to improve his credit enough to co-sign on a car for me so that
then I can improve my credit?! I wanted to cry. I felt like this isn't even my car. He can take it away at any time. Plus, I am pretty much doing all of the work to raise his score. Then I have to have him co-sign for me after I raise his credit score and then take Lord knows how long to raise mine.
What upsets me the most is that the salesman ran my credit and lowered it four points. Now he had run my credit less than two months ago. He knew what he could and couldn't do. He knew that he couldn't work with my credit, but he still ran it again and now it has lowered. I can never win.
Labels: bad credit, confused, depressed, happy, New car
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3:10 PM
