creditor abuse

Do you feel like you have been taken advantage of by creditors? Well, I do. You hear all those ads good credit bad credit we'll get you into your dream car or home help you rebuild your credit. But what they don't tell you is that the car may be your dream car but you financed a car at 20% interest thats $10,000 upside down value. So if you decide to trade your car in 2 years from the date of purchase you will truly be $15,000 upside down value. So how is that really helping you rebuild your credit. More less put you in a hole in the long run because 1 your warranty has ran out so there you go with a car note and if any kind repairs needed you out of pocket for repairs. And as for the home you pay lease to own for a year repair your credit then you can financed the house. Its not possible to repair your credit with a least to own if you paying a $1500 a month lease when in reality the mortgage is only $850. You spent all this money on this lease because they told you a portion of it will go to your down payment when you are ready to buy. In the end they don't have to sell to you if they don't won't to. You move and they find another sucker to pay double mortgage and in 8 years their home is paid for. All I want to say don't get suckered because of your credit. The best way to beat your creditors is to have good credit. In this day of time save your money and purchase you a nice cash car and re-establish your credit for a home by not charging your credit cards to the max every month only charge 15% of your credit amount and pay the balance in full before the bill come out every month and you can raise your credit score about 200 points in a year time along with paying your other bills on time.