It's not that I CANT I just have not tried yet i have a clean slate, I just figured if I have 4-5 grand and get an unsecured load from my bank or credit union for rest, will that not help start to build up credit with it without a co sign? Your goal in life should be to make a lot of money, not make a lot of credit. Each month you need to stash away living expenses + emergency funds + retirement funds. The amount you need to save is quite staggering if you do the math on it, unless you plan on dying real early and inexpensively. If you don't have 'emergency funds' and 'retirement funds', then you should focus on improving yourself, getting a good job and building your life, it seems like a big window of time that you have when you are a teenager, and you could always "do it tomorrow", but by age 30 what is left of the window will look really small. I stopped riding when I was a teenager, and started again in my 30s. Glad I did, it gave me time to get an education and a real job, and to afford any dirt bike I want. Wouldn't trade it for all the fun in the world. It's nice waking up in the morning, knowing that you have cash in the bank, good job, no debt. I know a lot of guys who are older than me and still struggling because of bad decisions they made. Do you really need a brand new bike? Why not sell both bikes, invest the cash in the stock market, and buy an old $1000 CR250/YZ250/etc?