Credit App...........

[poprocksncoke]

Looking to go out and purchase my new Mustang in a couple of months and wanted to see if I would be able to get approved and what I should work on.

 

Thanks!

 

Credit Application:

 

Your Age: 38

 

Your Equifax Credit Score: 503

Your Experian Credit Score: 585

Your TransUnion Credit Score: 563

 

How long have you been on file with the CRA's? 13 years

 

Previous Automotive Credit History: Yes

Do you have an open auto loan? Yes

Will this loan be a trade-in? Yes

Number of late pays within the last 12 months on the currently open loan? None

Number of late pays within the last 13-24 months on the currently open loan? None

Rate your payment history on this open auto loan from 1-10 (10=BEST): 9

 

 

Revolving Credit History:

Total number of revolving accounts? 4 in good standing; 3

Total percent utilization overall? Dunno

 

 

Your Information:

How long at residence? 2 years

Rent/Homeowner/Live with relative? Live with relative

Monthly Rent/Lease/Mortgage? 0

Total Provable MONTHLY GROSS INCOME? $3000

Via computerized paystub or what method? Paystub

 

Your Downpayment in CASH: 2,000

 

Does any credit repository contain any Public Record? No

 

Does any credit repository contain any Collection Account(s): 4

 

Your creditworthiness on a scale of 1-10 with 10 being the best: 5

 

OVERALL credit: 5

 

Installment Credit History: File dating back to 1993

[MarvBear]

Why is equifax so much lower than the other scores?

[poprocksncoke]

Have some old accounts from when I was married that only show up on equifax. They are old accounts with some late payments posted to them. Other than that I dont know?

[MarvBear]

approvable.