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First things first. Building credit costs money.
Sounds like you just need self discipline here. Put 14K in the bank. Go buy a car that will add up to 14K. Price of the car + TTL + Financing charges over the life of the loan. Then write a check from that account every month for the life of the loan. Very simple, you just have to keep from spending the money in the account. If you know you can't do that and you'll just drain the account putting on a turbo so then you'll have a blown up car and an empty account, then you're better off just paying cash and building credit in other ways.
On another note, someone here who worked for Ford Credit said that if you buy a new car from them, make EVERY payment on time for the life of the loan, you'll be automatically approved for your next loan (within reason, no GT-40 for me) Something to think about as Ford Credit is supposed to be the largest private lending institution in the world. Be good to Ford and they will be good to you.
 
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