Originally Posted by Dusten
you know a large part of your credit is debt to income... and history of credit... and available credit...
And you think Uncle Sam or anyone knows how much I really make? Would I want them to, other than for loan purposes? Also, about 80% of my credit history (positive items like purchasing that Mustang) still have absolutely no reflection on my credit??? When I bought that car, I had zero credit history and even paying it off, it shows nothing in my favor. The only thing I have ever used that reports positively on my credit are my credit cards (which I keep to a minimum in order to have a very low debt to income ratio, neither of which go over $1500). Just because you can't get a loan doesn't mean you don't make enough money to afford it. But I guess you never thought of someone paying for most everything in cash in order to prevent owing more than they make.