Credit App for Marv.. Is it possible.....

[GACreditGuy]

Looking to purchase a new car this year and I trying to some idea of what my interest rate may be.

 

Credit Application:

 

Your Age: 36

 

Your Equifax Credit Score: 641

Your Experian Credit Score: 531

Your TransUnion Credit Score: 658

 

How long have you been on file with the CRA?s? 19yrs

 

Previous Automotive Credit History: 2 loans w/ small town bank (no lates & no longer on reports)

Do you have an open auto loan? Yes (letting go with BK7)

Will this loan be a trade-in? No

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

Current open auto loan is financed with? E-Loan (Systems Service Technologies "SST")

Current open auto loan payment is? $388.34

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

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

 

Revolving Credit History:

Total number of revolving accounts? 2 depending on CRA

Total percent utilization overall? ~05-10%

 

Your Information:

How long at residence? 3 year

Rent/Homeowner/Live with relative? Own

How long at current job? 7 years

Total Provable MONTHLY GROSS INCOME? $4900

Provable via computerized paystub or what method? paystub

 

Your Downpayment in CASH: $1500

 

 

Does any credit repository contain any Public Record? Yes

CH 7 - No Asset BK (Jan/06 -- Discharged May/06)

 

Does any credit repository contain any Collection Account(s) No

 

New or Used Vehicle you are considering; please describe: New Toyota Forerunner or Scion

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

OVERALL credit: 5

Installment Credit History: 8

Revolving Credit History:6

 

I have no lates in the last 3.5 years.

[MarvBear]

I'd predict an approval, but I seldom can reliably predict an APR unfortunately.