Auto credit check

[ish2l]

Do I have a chance for some kind of auto loan? (already been turned down by honda, mazda, eloan and roadloans)

 

CREDIT SCORES:

Equifax: 661

Transunion: 699

Experian: 688

 

YOUR CREDIT:

 

Rate your over all credit on a scale of 1-10: 7

Rate your installment credit (auto, mortgage, ect...) on a scale of 1-10: none

Rate your credit in the last year on a scale of 1-10: 10

How long have you had credit? 4 years and 4 months

BK? No

if yes:

1. when?

2. is it discharge or dismissed?

3. did you let a car go back in the BK?

4. rate your credit after the BK on a scale of 1-10?

 

OPEN ACCOUNTS:

 

Total monthly payments of open CREDIT accounts (including rent): 245

Open auto's (yes or no)? no

 

if yes:

1. are you trading your open car in (yes or no)?

2. how many open auto's do you have?

3. how did you pay the curent auto (x30 x60 x90)?

4. recent lates?

 

Current credit card balances (its ok): 0, payoff every month

YOUR INFO

 

Total Gross Monthly Income (provable): $2400

Time on current job: 2 years and 4 months

Time in current profession: 2 years and 4 months

Time at current residence: 2 years and 4 months

 

AUTO HISTORY:

 

Have you ever financed an auto before (yes or no)? No

if yes:

1. how many auto's have you paid off?

2. How long has it been since you have had an auto loan?

3. how many repo's?

repo within the past year (yes or no)?

4. rate your past auto credit history on a scale of 1-10:

5. who is your current auto financed with:

6. current payment:

7. upside down in your trade (how much $)

 

What You Are Looking For:

 

Are you look into NEW or USED? NEW

if new:

1. what car or cars? Honda accord or Mazda6

 

OTHER:

 

Past due child support?

if yes:

1. can you show proof that payments are being made?

 

Co signer available? No

 

Please leave comments that may matter, that have not been asked:

 

EQ

9 accounts listed, 5 positive, 10 combined late payments showing

 

EX

9 accounts, 6 positive, 6 combined late payments

 

TU

7 accounts, 5 positive, 4 combined late payments

 

All these late payments will be over 24 months old in january.

 

 

WHAT WOULD YOU LIKE TO KNOW?

 

do you want to know your estimated intrest rate? yes

do you want to know if you can be approved? yes

 

Thanks F&I guy

[the F&I car guy]

declined????? W@W ok....with no installment credit you need to use dealership financing....if your score hold true then CHASE or BANK OF AMERICA should pick you up no problem....if its BOA or Chase then you should be around 6% on a new car or 6%-7% on a used one......I cannot beleive roadloans turned you down....when the dealer pulls your credit please let me know your auto enhanced beacons.

 

 

FYI-TRY peoplefirst.com they are totally score driven...

[hkolln]

WOW our scores are where your's are (high 600's) and we just walked out of Saturn with a 2004 car at 1.9% thru Chase.

 

Try Saturn...no pressure sales, great people.

[stevefromny]

WOW our scores are where your's are (high 600's) and we just walked out of Saturn with a 2004 car at 1.9% thru Chase.

 

Try Saturn...no pressure sales, great people.

if only their cars looked good. sorry, personal preference i know.

[hkolln]

I like the look of our cars...we have an SL2 and the ION

And we have great service and a really reliable car. Heck you could get a nice looking car and it could fall apart! Looks are not everything!

[stevefromny]

I like the look of our cars...we have an SL2 and the ION

And we have great service and a really reliable car. Heck you could get a nice looking car and it could fall apart! Looks are not everything!

ur absolutely right...hell I'm shopping for a Subaru WRX, not a looker by any means :? .... sorry...didnt mean to offend, and I hope I didnt.

[hkolln]

Nah....I have no idea what a subaru looks like! But heck if you get a good deal and a reliable car then go for it!