I have a bank issued debit I pay all my finances with. Does that count towards my credit?
Potentially. Do you have a cell phone bill, things like that? Those will report to credit agencies.
And if so any companies (not that rental garage please) that cater to bad credit people in northern Virginia????
The thing is, we don't know if you have "bad" credit - that's one thing.
If you don't appear on any credit agencies radar though, you have "
no" credit, which is typically viewed in a much more negative light opposed to "
bad"
At the end of the day, you're going to have to apply for credit financing and see what happens - no way to know until then.
Most of the big, 'name' brands offer financing - and some stores (BestBuy, maybe?) might offer it too.
Unfortunately though,those are typically brands/stores that charge above the going rate for systems..... And add financing etc on top, and you'd be paying substantially more than a system is 'worth'.
Add to the fact you may be paying something off for years - Opt for something pretty modern (but not latest an greatest), like an 8th Gen i7 + GTX 1080 and Dell/Alienware (as an example) are going to hit you for $1,700 or something crazy as the 'base' price.
I assume most of these companies won't finance beyond 3 years. So, add 3 years of interest to that, you'll likely pay another 30-50% on top of the sticker price, if not more.
Probably a $75/month investment, for something that's remotely worthwhile at the end of the term.....