@FrugalRican wrote:Not just the fact that she bought it alone, but buying a car just before closing on a home?!?
And this poster has said in another thread she wanted to buy stuff before even closing on the home and I had told her that this was a huge mistake. Why go buy a car a week before closing!?
I'm actually glad that car was a lemon. It being a lemon actually did her a favor, more than she knows.
Leave the impulse buying til AFTER you get the keys to the house.
Actually... wait until 30 days after closing... They may pull your CR again within 30 days after closing as an "account audit" type of scenario... So you don't want any new accounts or big changes in your credit report... I've heard horror stories of them taking the house back 
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
@FrugalRican wrote:Not just the fact that she bought it alone, but buying a car just before closing on a home?!?
And this poster has said in another thread she wanted to buy stuff before even closing on the home and I had told her that this was a huge mistake. Why go buy a car a week before closing!?
I'm actually glad that car was a lemon. It being a lemon actually did her a favor, more than she knows.
Leave the impulse buying til AFTER you get the keys to the house.
Actually... wait until 30 days after closing... They may pull your CR again within 30 days after closing as an "account audit" type of scenario... So you don't want any new accounts or big changes in your credit report... I've heard horror stories of them taking the house back
Just learned something new. I figured, once keys in hand, you're good to go.
Well, looks like month after keys in hand now!
True that wives can know about cars!!! Sorry for not being more specific...
I just think that big purchases should be made together when you're married 
That way you both agree on the purchase.
Joey and I have been talking about what kind of car we'll buy next... and the purchase is going to happen in 2016 
Never too soon to make a plan lmao
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
As others have said, wait until after closing to buy a car. If you have to have something now rent one. Spending a few extra dollars is worth it over losing the house right before closing. Since you don't know anything about cars, take you husband or a friend or other family member that does. If known of them are knowledgable take it to a mechanic. Most will do a very complet inspection for ~$100. That $100 can save you thousands down the road. You don't want to get another junker that will be costing you big bucks to repair as your trying to get settled in your new house because trust me, things will be popping up there.
@webhopper wrote:
@FrugalRican wrote:Not just the fact that she bought it alone, but buying a car just before closing on a home?!?
And this poster has said in another thread she wanted to buy stuff before even closing on the home and I had told her that this was a huge mistake. Why go buy a car a week before closing!?
I'm actually glad that car was a lemon. It being a lemon actually did her a favor, more than she knows.
Leave the impulse buying til AFTER you get the keys to the house.
Actually... wait until 30 days after closing... They may pull your CR again within 30 days after closing as an "account audit" type of scenario... So you don't want any new accounts or big changes in your credit report... I've heard horror stories of them taking the house back
I'd say wait two months to be on the safe side! That's what I did.
Starting Score: 760