Year help: In desperate need of Assistance! - Help.com

I’m 22 and in the same situation. Scrimp and save, hun, scrimp and save!

Could you ask family to co-sign?

Have you looked at like www.craigslist.org for used cars ?
Having a cellphone or anything in your name can help you build credit. Getting a secured credit card through your banking establishment, or any would help.

I didn’t have any credit 2 years ago, but I’ve been working on it for two years now, and I can’t keep the junk mail out of my box. All you need is one credit card that you pay off or back asap, and in 6-12 months you’ll start getting offers for LOTS of them.

A co-signer doesn’t mean that they are necessarily helping you financially, but that you are basing your score off their score which helps you to build your score.

Good credit takes time to develop but can be ruined in a matter of a few actions.

Maybe you should contact and independant seller, or even a small car lot, and see if you can finance a car. There’s little harm in asking. You can even get a copy of a promissory note so if that person is uncomfortable with letting a stranger finance a purchase through them—you’re legally bound to terms that you can negotiate and afford.

The car I currently drive, I bought from a dealership that let me make $100 biweekly for a year, with a $1000 down payment. Yes the new car might seem like a ripoff, and you might feel like why do I have to pay so much—but sometimes that’s all you can do. My ex-husband totaled 3 cars, 2 of which were completely in my name and I had paid most of, leaving me with little/no options.