I find myself now in a situation where I need to obtain reliable transportation. My previous transportation has become unreliable (roommate).
Any suggestions/guidance on obtaining a car would be most welcome.
The main purpose for the car will be healthcare appointments.
-----------------------------------------------------------------------------
Below info is from my post on when/how to purchase a home.
My FICO score ingredients have me rated Very Good for amount of debt, length of credit history, and amount of new credit.
Payment history is rated not good. They all are from the period prior to the bankruptcy filing/discharge.
My bankruptcy was discharged in January 2007.
I currently am not in debt for anything, and have not been since the bankruptcy.
On one hand, I am thinking just wait out February 2014. On the other, I am thinking start trying to build some credit.
But where and what to start with is the answer that continues to elude me.
Other helpful information:
retired from the military June 2000;
I stopped working in August 2006 due to health issues;
no disability with VA;
I have been living with family and friends since 3 July 2007;
I sold my car in 2007 after moving in with family;
I only have my monthly cell phone bill, which is one of the lowest priced plans, and rarely use the phone;
I want to buy (at some point in the future) a bungalow size house in a state that doesn't tax military retirement;
I bank with USAA and their calculator said I should be able to pre-qualify for a 60,000.00 home loan;
I have 1500.00 in savings and put 500.00 in each month that I can.
