I'm Mike Rowe, and this is my truck.

[gridlore]

There's a wonderful Monty Python routine that has two of the pepperpot ladies sitting on a bench. One ask the other if she's been shopping. Then she asks what the other bought.

"A piston engine" is the reply.

Today, I bought a piston engine, along with the Ford Ranger it came wrapped in.



With the rebates and all, we got the payments down to a reasonable level (and can refinance next year.) It's a pretty basic truck, but comes with a bed liner.

kshandra, of course, has dibs on it for That Thing In The Desert.

The most shocking thing was seeing our credit scores. 700+ across the board. As the finance dude put it, it's good credit but not deep credit. So we keep making payments and keep building things up.

I bought a truck.

I need beer. Stat!

(More photos at my Flickr account)

Comments

[gridlore.livejournal.com]

Numerical score, ranging from 0 (No history at all) to 850 (excellent history, no bad marks ever.) Scores are calculated by several agencies using different methods; so you can have a range of scores.

This link has a lot more detail (http://www.bankrate.com/brm/news/credit-scoring/20031104a1.asp)

We had terrible credit after I first got sick, since we had just bought a new car and couldn't make the payments. That default took seven years to fall off our reports, and from there we started slowly rebuilding with a secured credit card (you deposit an amount in a special account, that's your credit limit) then with kshandra buying her PT Cruiser. We're currently in the mid-600 to mid-700 range. That's considered to be good credit. I'm at the lower end of that range since I have very little credit history. If we keep up with the two credit cards (barely used) and the rent/car payments, we may break the 800 barrier.

[claidheamhmor]

Thanks; that explains it nicely. I suspect we have it a lot simpler here. We have credit bureaus one can check with, but I don't think they have a scoring system, per se. They do have blacklisting, though, and if one is blacklisted, you won't get credit anywhere for about 5 years.