Humm ... new board! Lots of new boards! More boards, less searching? That's a good thing!
Anyway, I've been hesitant about going into a dealership and trying to purchase a new vehicle, as I have never purchased one, not for a long time, so have no such history which might help me. All of the vehicles we have owned have been in my husband's name, solely. We will be separating soon, and the car I have been driving -- which he refers to as mine -- but which isn't -- isn't going to get me to where it is I need to go. Three kids, two Yorkshire terriors, two cats and a bearded dragon make it sort of necessary that I obtain an SUV thing. It will be best that it is new because it will have to last me a good 10 years, or so.
My Fico credit scores are fairly good, TU 704 and EX and EQ around 680, and which I expect to be closer to 700 by the August updates, as I have paid off or down all creditors and have had several credit limits raised by current creditors. I have missed no payments nor been late on any payments, to anyone, in near four years, and have never filed for bankruptsy. My credit reports show an old, closed and paid mortgage, taken out in 1987 and closed in 2003, that was late 30 days, several times, 8 times, I believe, and 1 paid charge off from 2003. The current mortgage is my name.
My problem is proving income, as I have, for the most part, worked for my husband for the past 20 something years and have not drawn a salary, up to this past year, when I went on a 1099 (for Social Security purposes as I was afraid of not having enough credits when the time came) and which is the most he would agree to, as the money paid to me goes right back into the company account, which is in both our names. Aside from this I do have checking account, separate and apart from him, as well as a small outside income that maintains my bank account and personal bills. Is there any hope at all that I will be able to purchase a vehilce without having to ask him, or someone else, to cosign? Thanks.
mercy who so LOVES this forum!
