u/PuzzleheadedForm9403

Im trying to understand how im falling short here.

So I went into a dry spell and lost my job close to a year ago. A month before I lost the job I was applying for car finance at westbank and got rejected because I didn't have credit history(I was 23 and didnt know jack about credit). So I got a credit card and stuff to improve my score. Now I have a 640 score.

After losing the job instead of waiting and applying I immediately rented a car to do uber, paying bro about 2500(rands) weekly :,)

Uber is tedious and stuff so one month in, i started a tourism company and registered it with this rented vehicle. I cold emailed until i landed a contract with an institution. Now they pay me well but it doesnt feel like it because of the 2500(rand) I still have to pay weekly.

LONG STORY Short. I applied again on the website and it got declined again! I don't understand, I have consistent money coming in monthly ranging between 10k-40k(rands) depending on the month. I have a 640 score. And I pay 10k(rand) monthly to rent the car. WHAT AM I DOING WRONG?

If I can pay this much on a monthly surely that 3k installment isn't much for me. I dont know where to go. Financing a used car would save me a lot. So please, of you know how to maneuver around this problem let me know.

1 Dollar = 16 Rand

Im trying to understand how im falling short here.

So I went into a dry spell and lost my job close to a year ago. A month before I lost the job I was applying for car finance at westbank and got rejected because I didn't have credit history(I was 23 and didnt know jack about credit). So I got a credit card and stuff to improve my score. Now I have a 640 score.

After losing the job instead of waiting and applying I immediately rented a car to do uber, paying bro about 2500 weekly :,)

Uber is tedious and stuff so one month in, i started a tourism company and registered it with this rented vehicle. I cold emailed until i landed a contract with an institution. Now they pay me well but it doesnt feel like it because of the 2500 I still have to pay weekly.

LONG STORY Short. I applied again on the website and it got declined again! I don't understand, I have consistent money coming in monthly ranging between 10k-40k depending on the month. I have a 640 score. And I pay 10k monthly to rent the car. WHAT AM I DOING WRONG?

If I can pay this much on a monthly surely that 3k installment isn't much for me. I dont know where to go. Financing a used car would save me a lot. So please, if you know how to maneuver around this problem let me know.

Im trying to understand how im falling short here.

So I went into a dry spell and lost my job close to a year ago. A month before I lost the job I was applying for car finance at westbank and got rejected because I didn't have credit history(I was 23 and didnt know jack about credit). So I got a credit card and stuff to improve my score. Now I have a 640 score.

After losing the job instead of waiting and applying I immediately rented a car to do uber, paying bro about 2500 weekly :,)

Uber is tedious and stuff so one month in, i started a tourism company and registered it with this rented vehicle. I cold emailed until i landed a contract with an institution. Now they pay me well but it doesnt feel like it because of the 2500 I still have to pay weekly.

LONG STORY Short. I applied again on the website and it got declined again! I don't understand, I have consistent money coming in monthly ranging between 10k-40k depending on the month. I have a 640 score. And I pay 10k monthly to rent the car. WHAT AM I DOING WRONG?

If I can pay this much on a monthly surely that 3k installment isn't much for me. I dont know where to go. Financing a used car would save me a lot. So please, of you know how to maneuver around this problem let me know.