well i pray for you both, dont get screwed! and i see why the guy wants a bike, gas haha but i wouldnt come on here to look for someone to help, you never know they can fuck you over to.. cause if you messed up my credit i worked on getting i would get a loan and find someone to take you in the woods and beat you then pee on you haha. but maybe you should ask your parents first? keep it a little closer to home before you ask someone you dont know. just a thought though?