So NoSoup, I'm lookin to buy a car. I'm eighteen, a full time student (with loans) and i work full time. So the car I want is roughly 13,000 after tax, licence, etc. They tell me I need a cosigner (perfect credit isn't perfect anymore if there isn't "car credit") so I had my mom cosign and they wouldn't give it to her because she is in credit counseling? That doesn't really click in my head, so some info on that would be nice. Also, I'm probably going to go with in-house financing with the dealership. People tell me to stay away from that because it wont build my credit, but the thing is, they will report every month to the credit bureau. So it will affect my credit, right? And another question about my credit card. I heard that a good idea is to pay the minimum balance every month on the card, then pay the full amount, close the account while it's in good standing and apply for another card with a higher limit Because it looks good to have many accounts closed while in good standing? Thanks for your help
