Originally Posted by johnmanning
if you need payment plans without credit checks then they're definitely not within your budget
I think there's a stigma about the fundamentals of this statement.
Me personally... I wa laid off from my job back in 2008. I had perfect credit at the time, fresh out of college, credits were perfect, could get any loan I needed. After losing my job... couldn't keep up with everything I was paying monthly and eventually got put in a hole I couldn't dig out of. Credit has been jacked since.
Fast forward.... as of 2 years ago I landed the job I wanted and I am currently making more money than I ever have in my life. However... the damage has been done to the credit score.
At the moment, my lump sums of cash go directly towards paying off prior debts (in addition to maintaining a current suitable living with a wife and a child). I can't afford a large lump sum payment to get the gear I really want & need in my studio... even though I clearly make enough money to buy what I want, when I want... and if it weren't for my debt situation, taking out a new loan with GE Money wouldn't be a problem.
So... companies like American Musical allow honest people like me who either made mistakes or were forced into a tough financial situation to still be able to purchase quality gear.
I think your comment and the people who agreed w/ you is a very ignorant and pompous point of view to take.