# sold SXY TIME
**URL:** https://forums.speedlife.net/t/sold-sxy-time/237218
**Category:** Shift518 Off Topic
**Created:** [June 6, 2008, 11:33pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218 "2008-06-06T23:33:47Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@SXY\_TIME](https://forums.speedlife.net/u/SXY_TIME)
#### Post date: [June 6, 2008, 11:33pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/1 "2008-06-06T23:33:47Z")
sooo yea sold the M3 as of friday june 6th…now im whipping around in the winter beater for the rest of the summer until my credit cards are paid off and my credit score can go back up so i can get approved for a loan again…
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### Author:  [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)
#### Post date: [June 6, 2008, 11:38pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/2 "2008-06-06T23:38:41Z")
I have had over $20K in credit card debt (bought a lot of shit at one point) with 750 credit rating across the 3 popular ratings. There’s a lot to it other than a numeric #. Just thought I’d point that out.
I’d take a look at your history and make sure you have no outstanding collections by mistake or other wise.
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### Author:  [@SXY\_TIME](https://forums.speedlife.net/u/SXY_TIME)
#### Post date: [June 7, 2008, 12:11am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/3 "2008-06-07T00:11:43Z")
yea i mean, im just turning 20 so i dont have that much credit history and the loan i took out for the m3 when i bought it was for 14k and i had about 5k in credit card debt which a few months ago, my credit score was a 610 so i figure now, its gotta be getting better since there will be no revolving balances on my credit cards since they’ll be paid off and i wont have a 14k loan out. before i applied for the loan, my score was a 696 so it dropped significantly with both the loan and credit cards
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### Author:  [@Singh1](https://forums.speedlife.net/u/Singh1)
#### Post date: [June 7, 2008, 1:38am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/4 "2008-06-07T01:38:01Z")
same here, not much history which lead me to not buying the benzo i wanted ☹
it was 710 with under a year of history im hopping that i’ll be able to get a loan soon, i got under a grand in credit debt and about 11 grand in loans
just cant stop buying shit 😃
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### Author:  [@JClark](https://forums.speedlife.net/u/JClark)
#### Post date: [June 7, 2008, 6:20am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/5 "2008-06-07T06:20:48Z")
Income affects it far more than age and history do. Talk to someone that knows credit, you shouldnt have to wait all summer to get approved.
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### Author:  [@d\_gage](https://forums.speedlife.net/u/d_gage)
#### Post date: [June 7, 2008, 6:44am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/6 "2008-06-07T06:44:33Z")
i’d kill myself with that much debt, 1k on a card and i’m in full blown panic mode
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### Author:  [@Boost\_Creep](https://forums.speedlife.net/u/Boost_Creep)
#### Post date: [June 7, 2008, 6:45am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/7 "2008-06-07T06:45:03Z")
I’ll miss that car, was a nice clean M3… not many like that anymore.
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### Author:  [@JClark](https://forums.speedlife.net/u/JClark)
#### Post date: [June 7, 2008, 6:53am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/8 "2008-06-07T06:53:52Z")
> [@d. gage](#):
>
> i’d kill myself with that much debt, 1k on a card and i’m in full blown panic mode
+1
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### Author:  [@SXY\_TIME](https://forums.speedlife.net/u/SXY_TIME)
#### Post date: [June 7, 2008, 8:27am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/9 "2008-06-07T08:27:43Z")
> [@RBakerian](#):
>
> I’ll miss that car, was a nice clean M3… not many like that anymore.
yea i didnt think i would miss it as much as i do =(
the guy who bought it lives in clifton park tho so i’ll be seeing it from time to time, plus hes a friend of mine (kyle reidell if anyone may know him)
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### Author:  [@bennyfizzle](https://forums.speedlife.net/u/bennyfizzle)
#### Post date: [June 7, 2008, 11:42am UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/10 "2008-06-07T11:42:49Z")
I saw it in schnectady the other day and tried to catch him on erie while staying below 50…but had to turn off for work, thought it was you…that would have been awkward… :rofl
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### Author:  [@Celtic1982citleC](https://forums.speedlife.net/u/Celtic1982citleC)
#### Post date: [June 7, 2008, 12:15pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/11 "2008-06-07T12:15:26Z")
Isn’t this the M3 that DC2Nick walked? If so, good riddance :crackup
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### Author:  [@Singh1](https://forums.speedlife.net/u/Singh1)
#### Post date: [June 7, 2008, 1:12pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/12 "2008-06-07T13:12:15Z")
> [@JClark](#):
>
> Income affects it far more than age and history do. Talk to someone that knows credit, you shouldnt have to wait all summer to get approved.
yea i work for my self so to get the bike I had to “manufactor” some pay stubs 😃
hehe otherwise i wouldnt of got it, I designed pay stubs for a construction company 😃 so i used them
dont tell no body but they really never check pay stubs, although everytime they send me mail out of the norm i keep thinking its gonna say WE FIGURED YOU OUT! but it doesnt
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### Author:  [@dc2nick](https://forums.speedlife.net/u/dc2nick)
#### Post date: [June 7, 2008, 2:09pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/13 "2008-06-07T14:09:58Z")
> [@Celtic1982citleC](#):
>
> Isn’t this the M3 that DC2Nick walked? If so, good riddance :crackup
yep
it was slow
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### Author:  [@Hooked\_on\_240](https://forums.speedlife.net/u/Hooked_on_240)
#### Post date: [June 7, 2008, 3:35pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/14 "2008-06-07T15:35:10Z")
Pm’d
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### Author:  [@SXY\_TIME](https://forums.speedlife.net/u/SXY_TIME)
#### Post date: [June 7, 2008, 7:08pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/15 "2008-06-07T19:08:11Z")
> [@Celtic1982citleC](#):
>
> Isn’t this the M3 that DC2Nick walked? If so, good riddance :crackup
LOL
yeaa…dream on…both of you
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### Author:  [@SXY\_TIME](https://forums.speedlife.net/u/SXY_TIME)
#### Post date: [June 7, 2008, 7:40pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/16 "2008-06-07T19:40:34Z")
> [@BENNYFIZZLE](#):
>
> I saw it in schnectady the other day and tried to catch him on erie while staying below 50…but had to turn off for work, thought it was you…that would have been awkward… :rofl
he works at Omnis computers
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### Author:  [@Singh1](https://forums.speedlife.net/u/Singh1)
#### Post date: [June 7, 2008, 10:52pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/17 "2008-06-07T22:52:29Z")
> [@Hooked on SXY TIME](#):
>
> he works at Omnis computers
heard that job was a very good one…
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### Author:  [@Wayne64SS](https://forums.speedlife.net/u/Wayne64SS)
#### Post date: [June 9, 2008, 1:03pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/18 "2008-06-09T13:03:59Z")
> [@d. gage](#):
>
> i’d kill myself with that much debt, 1k on a card and i’m in full blown panic mode
true that man. credit cards = fail
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### Author:  [@Shawn96VR-4](https://forums.speedlife.net/u/Shawn96VR-4)
#### Post date: [June 9, 2008, 1:05pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/19 "2008-06-09T13:05:27Z")
> [@Wayne64SS](#):
>
> true that man. credit cards = fail
Credit Cards are fantastic. They might not be liquid but give you cash flow in case of emergency and allows you to gain credit score. Hell, my credit card interest rates are better than my car loan and personal loan I have.
The entire world revolves on credit. We should be no different.
If you make $30K a year and have a $10K balance, that’s an issue but not if you make $110K per year and can easily pay it off.
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### Author:  [@KrazyKid](https://forums.speedlife.net/u/KrazyKid)
#### Post date: [June 10, 2008, 6:40pm UTC](https://forums.speedlife.net/t/sold-sxy-time/237218/20 "2008-06-10T18:40:27Z")
> [@Shawn96VR-4](#):
>
> Credit Cards are fantastic. They might not be liquid but give you cash flow in case of emergency and allows you to gain credit score. Hell, my credit card interest rates are better than my car loan and personal loan I have.
>
> The entire world revolves on credit. We should be no different.
>
> If you make $30K a year and have a $10K balance, that’s an issue but not if you make $110K per year and can easily pay it off.
Very true. It is all a percentage ratio of income to debt for the most part. And for all you with only 1K on a card, you must still be in pampers and driving a Huffy. JK, just saying, some day you will figure out the outstanding debt game and see what all fuss is about.
FYI. I just got a mortgage for $140K: Credit score is 760, $28K in loans, and credit cards. 25yrs old. Steady “good” income looks alot better to a credit agency than not having any debt and an unstable income.
The more money you ask to borrow, and the more times you pay pieces of it back, consitantly, the better your credit score.
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