What a pain in the butt!!
I have been through 4-5 credit unions already, with no luck. The main reason being I don't have any "relate-able" loans on my credit... Which is ridiculous to me. I have 5 or so lines of credit (car loan, student loans, and a credit card) open that I have ALWAYS been current on and pay more than I need to each month on. My score is a 690 and I make $1800 a month or so... The RV I am purchasing for $28,000 NADA value is $39,000... The loan would be in their favor if anything with south.
So whats the deal?!
I am frustrated - 25 years old and trying my best to build my credit but stay with in my means, which is why I don't have any other 30,000 dollar loans. I am responsible with my money and that's what seems to be the problem... Our financial institutions are so upside down its annoying.
I guess I am posting this as a rant... But also in hopes of some advice... What should I do next? I have another credit union processing my application now (crosses fingers) but from here I don't really know what to do.
Anyone have suggestions or ideas? Credit unions they suggest in Colorado or some other means of finding $28,000? Haha.
Anything helps at this point. Im almost tempted to start searching for a single person who wants to write up a contract with me for $28,000 and a certain APR that I pay them instead of the banks - haha... Takers?