Personal Finance.

Personal Finance.
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  • I really would like it if I were to get the car of my dreams. I'm gonna go to the bank to make loan right now.
  • Hi, I'm Pete and I am a student at Rutgers. I am looking to buy a used car for $15,000. Can I make a loan?
  • I'm sorry, as I'm looking over your profile, I don't think it would be best if I let you make this loan.
  • I really don't understand why I can't get the car. Is it my Credit Score or something?
  • Sometimes the bank will not let you take a loan out because of your history. If they see that you dont pay your phone bill on time they will give you a tough time with loaning.
  • Hi credit counselor, I wasn't able to make my loan today. Do you know why?
  • You might want to start paying your bills on time first. When you go home search up the 5  Cs or Credit. That will help you in the future. The bank looks at if you pay, if you don't pay etc.  Once they see you have a decent credit report you should be fine.
  • Do you think you can give me any advice for the next time I want to make a loan?
  • Wow, thank you so much for giving me tips. I never knew all of this went into making a loan.
  • Yeah I know. I had to learn the hard way to. Also make sure you monitor what you buy on your credit card. Other than that you should be good to go!
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