Look your buddy dead in the eye, tell him you love him and you'd die for him, then tell him to wise up, start paying things on time, and save every extra nickle he has in to a savings account. Once he has gone without and saved, and can hit the bank with an asssurance of a 25% or better down payment, I'm sure they will listen.

Folks, bad credit is something a person has to take personnal responsibility for. A guy has to earn it, not expect it, not feel he deservers it, and not feel he's entitiled to it.

You either earn it by doing the right things, or you lose it by doing the wrong things. It's really just that simple.

We just got to stop feeling we are entitled, and put more emphasis on going without until we have earned it. Want does not equal need. Want does not equal earned.