So I've been truck shopping for about a year, finally have a good down payment ready (60% of truck value). found the truck I want and went to get a small auto loan for the rest. I figured it shouldn't be a problem since the truck would be callateral and my bank account is in awesome shape. Nope, declined. No credit score. Got that answer from four different places. Turns out I've messed up bad by not getting a credit card and paying cash and owning everything.
So do I have any other option than getting a card and build credit for the next 6-8 months??
So do I have any other option than getting a card and build credit for the next 6-8 months??