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  • Excuse me mam, my name is pete and and Im an 18 year old attending Rutgers University. But the problem is I need a car to get there.
  • Well one of the first steps in order to buy a car is  getting a credit card. You must build up your credit by buying off small things like groceries in order to build it
  • That's great news. Do you have any ideas on how much the car you want is?
  • Thank You for meeting back up. It has been a month and I have been purchasing small things to build up my credit.
  • Ok well then you should probably start out with around $15,000 to $20,000
  • Well since I am a freshman going into college currently don't have that much money on me.
  • No problem you don't have to worry. Go to your bank and ask them for a $5,000 loan. But remember pay it off before the interest starts too haunt you!
  • $15,000! Are you kiding? I only have $10,000. Now what am I suppose to do?
  • Excuse me sir. My name is Pete and im attending Rutgers University and I need a car. But the problem is I dont have the money. Can I have a $5,000 loan
  • Ok pete. Just send me your personal information including your credit card and social security.
  • We have an issue Pete. The issue is that as a young freshman going into college you have a low credit score, this means that you are unreliable so it is hard to trust you. A good credit score is at least in the 700's and you aren't there yet.
  • Ok I gues your right. Ill just be taking the bus until I increase my credit score.
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