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Originally Posted by juniorrr
Duuuude I know this already that’s how I built my credit in the first place to where it is now. I did this at 16 and have ever since I know holy shit. I was only wondering if I could finance through Forgestar as another option Incase I wanted to use my credit card for something else... Andddd nooo when I have financed parts in the past they were all small inquiries I made sure of that and I did it spread out over months so it wouldn’t hurt my credit score, again I’m not an idiot and NO I’m not arrogant I know what the fuck I’m doing. I asked a simple question and you guys are telling me what I already know...
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Originally Posted by juniorrr
I have financed parts over the years and when I did a credit report in November they’ve only helped my credit in small increments and I don’t mind continuing that trend with 0% interest. Keep in mind I’m only financing using small inquiries so it hardly lowers my score initially and then it just goes up overtime as I pay.
Secondly I plan to keep this car for the rest of my life if I can or pass on to my future son etc. so the whole value of the car thing kinda doesn’t apply to me. If ima this car for that long I might as well make it look nice how I like it. And I personally do love widebodies.
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You should probably talk to a financial planner... credit inquiries don't matter how much the loan is for, it's the volume of them. When they do a credit check it doesn't indicate how much you're applying for. Long term you'd be better off with a higher credit limit on your credit card, or buying something on the credit card and paying it off the same day instead of waiting for the bill to come.
Frequently applying for small loans can be a red flag to banks/creditors if you do it too much.
But you already knew all that, since you're an expert, but not arrogant.
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Originally Posted by juniorrr
I do plan to take the car to the track possibly after I rebuild the engine and supercharge it, which are future plans. I just don’t have the time for all that right now.
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Off topic, but if you're going to track the car you should learn with it stock before adding a ton of modifications, but I'm sure you're an expert on that too.