Tell me if this idea is crazy....

[sccredit]

Most decent, reputable dealers will have a tradtional financing option.  If you go through the captive you'll likely get the promo rate.

IMO you should try through the dealer.

[Creditaddict]

1. STOP listening to whoever you are talking to that is saying you won't get a loan, they are going to cost you a lot of money!

2. A Bike loan is a secured loan most likely through captive lender just like a car... so that is your secured loan, you don't want to take out a personal loan.

3. Cap1 is your friend during rebuilding... keep checking "pre-qual" offers on website... they are often known to offer and issue unsecured cards VERY quickly after a secured card... When you see offers for unsecured... apply for 2 back to back if you have 2 offers, like venture one and quicksilver.

4. Apply for Discover it NOW.

[Anonymous]

I've had quite a few ppl tell me as soon as they look inside my file my score will become irrelevant, I'm also a member of a credit union, that was gonna be my first stop when I felt I was ready

[Creditaddict]

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@Anonymous wrote:
I've had quite a few ppl tell me as soon as they look inside my file my score will become irrelevant, I'm also a member of a credit union, that was gonna be my first stop when I felt I was ready

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What credit union?

Why have you not applied for credit with them?!

[Anonymous]

Creditaddict, I get prequal offers from cap1, my score has jumped around a lot, at its highest it would offer me venture and QS, but then I let a card report at 90% and my scores dropped like 40 points and now it offers me platinum and QS1, if I remember correctly

[Anonymous]

It's a local county credit union,

[Creditaddict]

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@Anonymous wrote:
Creditaddict, I get prequal offers from cap1, my score has jumped around a lot, at its highest it would offer me venture and QS, but then I let a card report at 90% and my scores dropped like 40 points and now it offers me platinum and QS1, if I remember correctly

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you are crazy not to grab a venture/qs offer back to back... Venture will not be less than $5k and I would 95% say it won't be less than $10k!

[Creditaddict]

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@Anonymous wrote:
It's a local county credit union,

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do they offer a credit card? go sit down with them and chat... 

[Anonymous]

The only discussion I've had with the cu was asking if I could apply for an auto loan and a credit card with the same HP.... I just checked the cap1 page and it gave me quicksilver and "we also suggest" venture

[Anonymous]

Must be bc that last baddie came off