members creditability

And if that's the case, no harm in asking. But, as a buyer, make sure you follow through and make those payments as contracted and don't give the seller crap for saying no or voiding the agreement halfway through if you don't pay up. That seems to be the root of the problem here.
Mike your post is entirely true there was a time when I made a deal and didn't follow through because I didn't have the money I have s i n c e change that but to be honest there are just members on this site who are not going to give me a second chance and that is perfectly fine I accept that and I have moved on and do my best to stay away from these people as they are the haters that will keep on hating no matter what