App for Marv

[finfin]

Credit Application:

 

Your Age? 29

 

Your Equifax Credit Score? 600

Your Experian Credit Score? 586

Your TransUnion Credit Score? 592

 

How many years have you been on file with Equifax? 8

How many years have you been on file with Experian? 8

How many years have you been on file with TransUnion? 8

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? Yes

Will this open auto loan be a trade-in? No, cosigned for someone else

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? Regional Acceptance

Your current open auto loan payment is? $698

Estimated amount you may be upside down in this vehicle? 0

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? 7

Total percentage utilized overall? 77%

How many of your revolving accounts are store cards? 3

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) 1

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 1 yr

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

Your Monthly Rent or Mortgage payment? $488

How long have you held your current job? 4 yr

Your total provable monthly gross income is? 2986

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

Is there additional monthly income? What amount monthly? No

Describe the source.

Is the additional monthly income provable?

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.) 500

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

Does any credit repository contain any Collection Account(s)? 1 collection, 3 charge offs

If yes, please very briefly describe. Not paid, 5 yrs old total 1039

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 3

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 5

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 vehicle I don’t actually care what kind I just need a vehicle that I can put my dog in.

[MarvBear]

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[MarvBear]

Unless there is like 3 months left on the auto loan that you do not intend to trade, I do not think you will qualify for a second automobile without additional income

[finfin]

Well I appreciate you taking a look! Lesson learned no more co-signing for anyone else ha ha, maybe someone can learn from this though who knows.

[MarvBear]

Just get yourself a qualified co-applicant. Regional is a subprime lender, perhaps with additional income you can do better this time around.