A schoolmate of mine came to class one day complaining of the public commute. He complains about the daily jostle during rush hour, and the long queues especially during inclement weathers. Due to his parents limited financial resources, he can only dream of owning an automobile, until somebody suggested he could own one by availing a student auto loan.
He hesitates to purchase an automobile because either he has poor credit history or he has none at all. He didn’t realize that histories could improve just as long as the payment is regular and on time.