Good point!!! ok here the deal the ladie at my bank got me my bike last yr thrue a personal loan in nov i got 5k from wachovia with my bro co signer.


Now 4 months later i got back to the bank and get a 14k loan on my car in my name and she said my credit score was a 626 but i have no late payments are anything else thats bad on my credit report.

The simple trick is to get 2 cc and dont use but mabye half a month like i did and pat if off every month thats how i got my score going and of course talking real nice to the bank ladie and she just flat out told me if they approve u for 5k i will overide and get u the money u need for your car

Now thats called noing your banker