I've been searching the forums, and have come across a few posts, with the same problem i am having, but not exactly. I am an international student, been studying in the states for a year and half now, have 6 months left in the completion of my master's degree. I was here as a teenager, and have establised credit since then( father added me to his credit card that i used diligently when out of the country). Due to that fact, my oldest account is some 17 years old, with a high credit limit, have a few recent credit cards that i have had for the last year and half, $4k-5k limits.so the only thing reporting on my reports are revolving accounts with around 10 percent utilization. So i am still being supported by family, who have moved to Canada. I have a part time job, and make around $1200 a month(only allowed to work 20 hrs a week), and have family sending me around $2500 a month plus i have quite a bit of savings. I went into lease a new infiniti g35x, and an uncle was ready to cosign. His credit is top notch..and myfico scores are pretty decent..at ex-719,eq-706,TU 759.., inspite of all this got rejected by Infiniti Financial services due to lack of source of income. I offered them to show my bank statement, with checks coming in regularly, but i can't show enough income otherwise(paystubs,etc.)I also offered to show them an affidavit of support from my parents or the co-signer.They want the primary applicant to be showing a source of income(read:job). So i was considering just financing the vehicle, and this time around, trying myself, without asking my uncle. I m thinking its gonna be tough, considering i have no auto loans or mortgage showing in the report..plus no JOB...but can DEFINATELY afford it. How would i go about financing it, and stupid question, but would there be any credit unions i could be eligible for(being an international student,my uni does not have any of their on fed.CUs)Should i try by going to one of the dealers and showing them myfico.com score reports, and seeing what they can do? Sorry been going on forever, any help in this matter would be great. Thanks in advance. myfico score 09/21/08 ex-719 eq-706 tu-759
Message Edited by spygame on 09-21-2008 11:54 PM
