App for Marv

[antonbhc]

Your Age? 27

 

Your Equifax Credit Score? 614

Your Experian Credit Score? 627

Your TransUnion Credit Score? 610

 

How many years have you been on file with Equifax? 10

How many years have you been on file with Experian? 10

How many years have you been on file with TransUnion? 10

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? Yes

Will this open auto loan be a trade-in? Yes

How many late pays within the last 12 months on the currently open loan? 0

How many late pays within the last 13-24 months on the currently open loan? 0

Your current open auto loan is financed with? Americredit

Your current open auto loan payment is? 1000 p/mo

Estimated amount you may be upside down in this vehicle? ~9K

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 3

Total percentage utilized overall? Less than 0%

How many of your revolving accounts are store cards? 0

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3

How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 3 years

Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent

Your Monthly Rent or Mortgage payment? $1200. 00

How long have you held your current job? 7 years

Your total provable monthly gross income is? ~$9000.00

Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Paystubs

Is there additional monthly income? No What amount monthly? n/a

Describe the source. n/a

Is the additional monthly income provable? n/a

Spousal income is not applicable.

 

YOUR DOWNPAYMENT

Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $17k cash

Does any credit repository contain any Public Record? No

 

 

Does any credit repository contain any Collection Account(s)? Yes

If yes, please very briefly describe. $300 Chargeoff from fraudulently opened account in 2009; currently in dispute.

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10

 

New or Used vehicle you are considering: Please very briefly describe.

Used 2010 Cadillac CTS-V, 49K.

Edited February 8, 2012 by antonbhc

[MarvBear]

What was the previous auto high credit?

 

and

 

How many months has it reported per bureau?

[antonbhc]

What was the previous auto high credit?

 

and

 

How many months has it reported per bureau?

 

Current auto loan high is 42K.

Auto before the current was for 48K., paid off in 5 months.

 

Current loan has been reported for 9 months.

[MarvBear]

[antonbhc]

Thanks for the heads-up, Marv. I got an approval today on a 2010 CTS-V @ 6.99% APR! Going from a 20.5% down to a 6.99% is WELL WORTH trading in my car in less than a year.

[road2freedom]

Nice ride - enjoy!

[MarvBear]

congrrrrrrrrrrrrrrrrrrrrrrrrrrats