Building credit is an m f'er

[Kaneman]

I hate this credit scam stuff man. Been trying for 2 years to get my wife some credit, and despite making good money its just nearly impossible. When we first got together she was moving from her old apartment. She's got one $300 blemish from getting screwed on her old apartments, so initially I figured no big deal.

I've since secured two credit cards for her, which she uses regularly and pays off every month. Never been late, doesn't carry a high balance...and I still can't get her out of the low 600's. WTF? What else do you have to do?

We're suddenly in need of a new vehicle, no problem, plenty of money to put down, make the payments, and all that. But of course we can't get a car loan. So we can go to a tote the note dealer, put a big down payment down, get raped on the price and financing....but it doesn't report to her credit so we're in the same boat. On top of that the cars they sell are beat to shit.

I'm to the point where I'm going to offer a family member something like $5k cash to co-sign a loan for her....which is what I had to initially do to establish mine way back when too. Which brings up another good point, don't ever get your identity stolen.