@echolikebells If you do look this weekend, try to get preapproved online on Friday to see where you stand finance-wise. You can then compare the rate you got online with the rate the dealer is trying to sell you. Dealers will sometimes give the illusion of a good deal up front and then pad the lease rate or finance rate. And if you have one, check your credit union since they give some of the best rates and sometimes even partner with rental agencies for used car sales. A good 2-3 year old off-lease used car is probably your best bet since most of the depreciation is already accounted for and will still be under warranty.
I'm gonna give the politically incorrect option of not paying it off. If it's not your charge, you're better off filing a dispute with the credit agency instead of paying it off. And as someone else said, it falls off on its own in 7 years. I made the mistake of paying off a charged off account once. You know what happened? That chargeoff was originally only reported to one credit agency. When I paid it off, they reported to all three agencies that it was formerly charged off and my credit score dropped on all three agencies instead of just one. Also another vote for creditkarma. It should give you a better idea of why your credit is where it is. Since the account was from several years ago, it's more likely that you have a low score because you don't use credit rather than from just that account.
@dotcommie At my old apartment, laundry was $5/load ($2.50 wash, $2.50 dry). So dropoff wasn't much more expensive. That got me started. Not having to ever match socks again keeps me hooked.
@missvancity You don't have to be truthful in answering the questions!
@stuffisthings Yeah, in the Gawker hack of 2010 everyone in the world found out my password was password. So my bs password worked exactly as planned! I'd also use Google/Facebook login more if only they didn't default to posting your activity all over the place.
@PicNic Apart from the fact that it's only 3 characters, answering these security questions wrong is actually a good practice. There's only one way to answer a question right, there are infinite ways to answer them wrong.
Wow, cherries are good money! Even tomatoes seem better than minimum wage.
@Beans I agree. In fact, I bought a car last week. Haven't owned a car for about 8 years. Told myself ZipCar was just as good, it pays for gas, etc. but really it's not. Every time I thought about taking a quick trip out of town I consciously considered whether the cost was worth it, which really meant equations in my head like "is visiting my aunt really worth $150?" or feeling guilty about always putting my friends and family out to pick me up from a train station. It's a luxury but it's nice to just pick up and go. Plus, free storage!
When I was "unbanked" I would just take my paycheck to the bank that issued it. They cashed it with no fees and I had no account there either. Is this just not possible for some checks?
@PrettyNicola Lol, I used to live on Forbes Ave.