So I went to the bike dealer today...

[NCRonB]

I'm convinced now that the only way you can buy a used ninja 500 is if you watch craigslist every day, and when you see a listing you immediately go to the seller, cash in hand, grab the bike and run.

That's exactly what I did last year. I had been watching for a few months and finally found exactly the year/color I wanted in great shape... not more than 10 miles from me! Within 48 hours of the craigslist posting, it was in my garage.

[DieMonkeys]

You do not need credit. There is no reason to "build" credit. It's all a myth that credit card companies have built into your psyche. Save the cash up then purchase the bike when you have enough to cover the bike + tax + etc. If you don't like waiting (which is why credit cards were invented, to play on the impatience of americans, just another company taking advantage of ignorance) then sell some "crumb" on Ebay that you havn't used in a year and don't really plan on using again. I'm doing that right now with my paintball guns. I'm saving up for a Ninja ex250 right now and I'll tell you right now I know how you feel, how badly you want this bike and what you're willing to go through to do it (hell through loans!). I'm here for you, if you feel like you're going to go out and get that loan send me a PM and wait for me to respond, I'll talk you out of it. Kind of like if you were in Alcoholics Anonymous? I'm your sponser, and I'm there for you.


Oh yeah, and go read one of Dave Ramsey's books, he'll tell you all about the mythos behind credit cards and the lies they've been feeding you.

hmm without credit you wont get a house at least you will have a very hard time doing so. Lets face it not many (even if they are smart with $$$) can afford to pay $150,000 for a brand new house (thats the avg house so I am going by avg and not necessarily being specific to location). thats in america btw.

If you would read a Dave Ramsey book he'll tell you that a home loan is the only thing you ever need to get a loan for (seriously, who has $150k saved up when you're just starting in life?). And even then you don't need a credit score if you do it with cash, pay for most of the house upfront, etc. I don't have the books on me right now because I've lent them out to friends (I think everyone should read these books and be out of the dark on credit) otherwise I'd be giving direct quotes. Until I get those books back check out www.totalmoneymakeover.com.