TODAY'S APPROVALS

[MarvBear]

APPROVING BANK CITIFINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 580

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 8941

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $23255.46

ADVANCE PERCENTAGE 120%

TERM CONTRACTED 72

APR/LEASE RATE 22.25%

MONTHLY PAYMENT $593.15

MISCELLANEOUS COMMENTARY: JUST DISCHARGED BK. TOOK ABSOLUTELY EVERYONE DOWN WITH THE SOLE EXCEPTION OF CITI. TWO FORECLOSED HOUSES. GOOD JOB TIME THOUGH.

[MarvBear]

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 792

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 35

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $18784.65

ADVANCE PERCENTAGE 84%

TERM CONTRACTED 72

APR/LEASE RATE 7.64%

MONTHLY PAYMENT $327.08

MISCELLANEOUS COMMENTARY: 77% REVOLVING AVAILABLE. BEEN IN FILE SINCE 1978. 42 SATISFACTORY ACCOUNTS. 11 PAID OUT ACCOUNTS. ONLY ONE INQUIRY DURING LAST 6 MONTHS. NO DELINQUENCIES ON FILE.

[memory]

APPROVING BANK EASTERN BANK

BUREAU PULLED EXPERIAN

CREDIT SCORE 734

CUSTOMER STATE OF RESIDENCE MASSACHUSETTS

NEW/USED USED CAMRY XLE

YEAR OF VEHICLE 2005

MILEAGE 12081

RETAIL/LEASE RETAIL RETAIL

AMOUNT OF LOAN $19000

ADVANCE PERCENTAGE

TERM CONTRACTED 60

APR/LEASE RATE 6.9%

MONTHLY PAYMENT $375

MISCELLANEOUS COMMENTARY: BK7 DISCHARGED 2/06, 8 YEARS EMPLOYMENT WITH SAME COMPANY, EXPERIAN FICO 696 BUT AUTO ENHANCED WAS 734, FINANCED BY DEALER

[tarheel5805]

APPROVING BANK HONDA FINANCIAL]

BUREAU PULLED EQ - TU -EX

CUSTOMER STATE OF RESIDENCE VIRGINIA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 8200

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $22,500

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 66

APR/LEASE RATE 7.36%

MONTHLY PAYMENT $403

MISCELLANEOUS COMMENTARY: ACCORD EX-L V-6

 

I was also approved through Capitol One (11.45%) AND NAVY FEDERAL (9.25%).The Honda F & I rep stated that if you have new TL, Honda will usually approve you.

 

Cards that I've been approved for:

 

NAVY FED. PLATINUM $10,000

NAVY FED. NAVCHECK $8,000

JARED $800.00

JB ROBINSON $800.00

KAY $800.00

HOOTERS $500.00

TARGET $200

HONDA $22,500

[MarvBear]

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 634

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 22623

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $12061.90

ADVANCE PERCENTAGE 126%

TERM CONTRACTED 66

APR/LEASE RATE 11.64%

MONTHLY PAYMENT $249.49

MISCELLANEOUS COMMENTARY: DECENT CREDIT FILE, GOOD AUTO PAY HISTORY, ONLY PROBLEM CONSUMER AT 172% DTI. TOUGH COOKIE TO GET DONE.

[MarvBear]

from our member Major Payne:

 

APPROVING BANK Cap one

BUREAU PULLED Equifax

CREDIT SCORE 480

CUSTOMER STATE OF RESIDENCE North Carolina

NEW/USED Used

YEAR OF VEHICLE 2006

MILEAGE 34000

RETAIL/LEASE Retail

AMOUNT OF LOAN 24150

ADVANCE PERCENTAGE

TERM CONTRACTED 72

APR/LEASE RATE 18%

MONTHLY PAYMENT 548

MISCELLANEOUS COMMENTARY: Bk7 discharged Nov 2007, Used FI with Nissan dealer.

[The fenceman]

APPROVING BANK : GMAC

BUREAU PULLED: Experian then EQUIFAX

CREDIT SCORE 580 Experian 610 Equifax

CUSTOMER STATE OF RESIDENCE New York

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 10

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $29500

ADVANCE PERCENTAGE

TERM CONTRACTED 60

APR/LEASE RATE 2.9%

MONTHLY PAYMENT $520.00

MISCELLANEOUS COMMENTARY: Lots of car history in last 5 years,had 2 co-signed re-po's,1st pulled Experian which showed re-po's,ask to pull Equifax then approval at best rate.One of the best finance guys I have ever dealt with! He had pull with GMAC

Edited March 12, 2008 by The fenceman

[MarvBear]

APPROVING BANK CITIFINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 575

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2004

MILEAGE 53189

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $14392.24

ADVANCE PERCENTAGE 151%

TERM CONTRACTED 72

APR/LEASE RATE 17.99%

MONTHLY PAYMENT $330.60

MISCELLANEOUS COMMENTARY:VERY POOR PRIOR AUTO CREDIT. GOOD INCOME & JOB TIME HOWEVER.

[deadem]

APPROVING BANK Infiniti Financial

BUREAU PULLED EQUIFAX

CREDIT SCORE 708

CUSTOMER STATE OF RESIDENCE North Carolina

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 25

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $32321.31

ADVANCE PERCENTAGE

TERM CONTRACTED 63

APR/LEASE RATE 2.9%

MONTHLY PAYMENT $569.01

MISCELLANEOUS COMMENTARY

[MarvBear]

APPROVING BANK CHRYSLER FINANCIAL

BUREAU PULLED EQUIFAX

CREDIT SCORE 834

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 8

RETAIL/LEASE LEASE

AMOUNT OF LOAN $25694.50

ADVANCE PERCENTAGE 91%

TERM CONTRACTED 36

APR/LEASE RATE .00186

MONTHLY PAYMENT $428.11 INCLUDES SALES TAX

MISCELLANEOUS COMMENTARY: SYSTEM AUTO APPROVAL. PRIOR CHRYSLER FINANCIAL CUSTOMER, TURNING IN CURRENT LEASED VEHICLE AT END OF TERM

[lostnjax]

APPROVING BANK Capital One (Blank Check)

BUREAU PULLED: All 3

CREDIT SCORE: EQ 567 EX 572 TU 508

CUSTOMER STATE OF RESIDENCE: FL

NEW/USED: Used

YEAR OF VEHICLE: 2007

MILEAGE: 28k

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $13876

ADVANCE PERCENTAGE: 120%

TERM CONTRACTED: 72

APR/LEASE RATE: 16.45%

MONTHLY PAYMENT: 302.05

MISCELLANEOUS COMMENTARY: This car was for my sister and she had a BK in 2006 discharged. No positive tradelines since BK. Had a foreclosure included in BK but also showing a good mortgage as well. monthly income is right at 3k/mo

[hektik02]

APPROVING BANK NAVY FEDERAL CREDIT UNION

BUREAU PULLED EQUIFAX

CREDIT SCORE 680 FICO

CUSTOMER STATE OF RESIDENCE CALIFORNIA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 33000

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $18,966.30

ADVANCE PERCENTAGE

TERM CONTRACTED 60 MONTHS

APR/LEASE RATE 6.75%

MONTHLY PAYMENT $373

MISCELLANEOUS COMMENTARY: THIS WAS A USED AUTO REFINANCE. REFID AFTER 4 MONTHS INTO MY ORIGINAL AUTO LOAN. PREVIOUS APR WAS 11.39% CLEAN EQUIFAX REPORT.

[MarvBear]

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 628

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 58627

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $5997.55

ADVANCE PERCENTAGE 34%

TERM CONTRACTED 36

APR/LEASE RATE 7.29%

MONTHLY PAYMENT $186.54

MISCELLANEOUS COMMENTARY: 2 MINOR COLLECTION ACCOUNTS. PREVIOUS AUTO CREDIT STRONG. JOB & RESIDENCY STRONG.

[MarvBear]

APPROVING BANK ROADLOANS

BUREAU PULLED EQUIFAX

CREDIT SCORE 577

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 9917

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $19197.41

ADVANCE PERCENTAGE 118%

TERM CONTRACTED 72

APR/LEASE RATE 16.84%

MONTHLY PAYMENT $429.80

MISCELLANEOUS COMMENTARY: THE BULK OF THE CREDIT FILE WAS CHARGEOFFS AND FORECLOSURE. PAST DUE CHILD SUPPORT AND ONE REPO.

[Bchurch]

APPROVING BANK Honda Motorcycle

BUREAU PULLED EXPERIAN

CREDIT SCORE 606

CUSTOMER STATE OF RESIDENCE Texas

NEW/USED Used

YEAR OF VEHICLE 2006

MILEAGE 1200

RETAIL/LEASE Retail

AMOUNT OF LOAN $12100.00

ADVANCE PERCENTAGE

TERM CONTRACTED 60

APR/LEASE RATE 15.9%

MONTHLY PAYMENT $295.00

MISCELLANEOUS COMMENTARY: I never thought I would be able to finance a bike. I did have to have 2K down though :-(

Edited March 20, 2008 by MarvBear
formatting

[mysschevous]

APPROVING BANK American Honda Motor Finance

BUREAU PULLED TU

CREDIT SCORE 705

CUSTOMER STATE OF RESIDENCE Connecticut

NEW/USED New

YEAR OF VEHICLE 2008

MILEAGE 26

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $38572

ADVANCE PERCENTAGE ?

TERM CONTRACTED 60

APR/LEASE RATE 4.5%

MONTHLY PAYMENT 719

MISCELLANEOUS COMMENTARY: 3.5 K down, Fully loaded RTL with about $7K of additional options.

 

Edited to change text color of answers

Edited March 29, 2008 by mysschevous

[MarvBear]

APPROVING BANK DRIVE FINANCIAL SERVICES

BUREAU PULLED EQUIFAX

CREDIT SCORE 472

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2007

MILEAGE 12954

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $18210.54

ADVANCE PERCENTAGE 107%

TERM CONTRACTED 72

APR/LEASE RATE 18.23%

MONTHLY PAYMENT $418.14

MISCELLANEOUS COMMENTARY: PREVIOUS REPO, CURRENTLY IN FORECLOSURE.

[MarvBear]

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 576

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2006

MILEAGE 24060

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $14685.36

ADVANCE PERCENTAGE 109

TERM CONTRACTED 72

APR/LEASE RATE 13.54%

MONTHLY PAYMENT $298.99

MISCELLANEOUS COMMENTARY: CONSUMER CURRENTLY IN CONSUMER CREDIT COUNSELING.

[MarvBear]

APPROVING BANK GMAC

BUREAU PULLED EXPERIAN

CREDIT SCORE 534

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED NEW

YEAR OF VEHICLE 2008

MILEAGE 14

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $16991.84

ADVANCE PERCENTAGE 91%

TERM CONTRACTED 72

APR/LEASE RATE 11.99%

MONTHLY PAYMENT $324.79

MISCELLANEOUS COMMENTARY: PREVIOUS BK, ONE CURRENT OPEN AUTO LOAN NOT BEING TRADED, PREVIOUS EXPERIENCE WITH GMAC.

[MarvBear]

APPROVING BANK AMERICAN GENERAL FINANCE

BUREAU PULLED TRANSUNION

CREDIT SCORE 461

CUSTOMER STATE OF RESIDENCE FLORIDA

NEW/USED USED

YEAR OF VEHICLE 2003

MILEAGE 53329

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $7276.96

ADVANCE PERCENTAGE 135%

TERM CONTRACTED 42

APR/LEASE RATE 17.99%

MONTHLY PAYMENT $236.48

MISCELLANEOUS COMMENTARY:MULTIPLE MEDICAL COLLECTIONS. OPEN AUTO LOAN NOT BEING TRADED, SHORT JOB TIME, JUDGMENTS & PREVIOUS REPO.

[jga1980]

APPROVING BANK :Justice Federal Credit Union

BUREAU PULLED: Equifax

CREDIT SCORE: 652

CUSTOMER STATE OF RESIDENCE; FL

NEW/USED: New

YEAR OF VEHICLE: 2009

MILEAGE: 8

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $22,238

ADVANCE PERCENTAGE

TERM CONTRACTED: 60 months

APR/LEASE RATE: 6.25

MONTHLY PAYMENT: 432

MISCELLANEOUS COMMENTARY: JFCU rocks!!

Edited April 1, 2008 by MarvBear
FORMATTING CONSISTENCY

[Chris in OK]

Mine's a little late, but here it is:

 

APPROVING BANK: US Bank

BUREAU PULLED: Transunion

CREDIT SCORE: 725

CUSTOMER STATE OF RESIDENCE: CA

NEW/USED: Used

YEAR OF VEHICLE: 2006

MILEAGE: 23515

RETAIL/LEASE: Retail

AMOUNT OF LOAN: $26695

ADVANCE PERCENTAGE: 108%

TERM CONTRACTED: 72 months

APR/LEASE RATE: 5.85%

MONTHLY PAYMENT: 442

MISCELLANEOUS COMMENTARY: Initially pulled EX, called and had them pull TU. Instant approval Tier 0 5.85% buy rate.

[enoughnever]

APPROVING BANK Captial One, through Lending Tree

BUREAU PULLED Not sure

CREDIT SCORE TU 604, EQ 669, EX 673

CUSTOMER STATE OF RESIDENCE Louisiana

NEW/USED new

YEAR OF VEHICLE 2008

MILEAGE 35

RETAIL/LEASE retail

AMOUNT OF LOAN 46,655

ADVANCE PERCENTAGE ?

TERM CONTRACTED 60 months

APR/LEASE RATE 6.49%

MONTHLY PAYMENT 915.77

MISCELLANEOUS COMMENTARY: Also was approved through dealer with Cap One at 14%. Was denied by just about everybody else, including Penfed credit union. Chapter 7 discharged 7/2004.

[EVO]

APPROVING BANK CHRISTIAN COMMUNITY CREDIT UNION

BUREAU PULLED EXPERIAN

CREDIT SCORE 674

CUSTOMER STATE OF RESIDENCE CALIFORNIA

NEW/USED USED

YEAR OF VEHICLE 2005

MILEAGE 16,500

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $17,055.00

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 60

APR/LEASE RATE 6.0%

MONTHLY PAYMENT $328.77

MISCELLANEOUS COMMENTARY:TIER B, 0.25% DISCOUNT FOR NEW MEMBER, 0.25% DISCOUNT FOR OPENING CHECKING ACCOUNT (AUTO-PAY)

Edited April 5, 2008 by MarvBear
FORMATTING CONSISTENCY

[LINKBRAN]

APPROVING BANK Navy Federal Credit Union

BUREAU PULLED EQUIFAX

CREDIT SCORE 644

CUSTOMER STATE OF RESIDENCE Virginia

NEW/USED USED NEW

YEAR OF VEHICLE 2008

MILEAGE 0-99miles

RETAIL/LEASE RETAIL

AMOUNT OF LOAN $25,000

ADVANCE PERCENTAGE 100%

TERM CONTRACTED 60

APR/LEASE RATE 8.75%

MONTHLY PAYMENT $500-525

MISCELLANEOUS COMMENTARY: Used to buy a new Volvo S40 T5, through the Volvo military sales program, had been denied instantly while I had a fraud alert on file, as soon as that fell off, got approved twice in a week. Thanks for the help Marv.