Credit App for Marv

[getit2gether]

My Explorer is dying a slooooow death and I need to get rid of it now, says my mechanic....

 

Credit Application:

 

Your Age? 41

 

Your Equifax Credit Score? 565

Your Experian Credit Score? 594

Your TransUnion Credit Score? 558

 

How many years have you been on file with Equifax? 20+

How many years have you been on file with Experian? 20+

How many years have you been on file with TransUnion? 20+

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? yes

Will this open auto loan be a trade-in? yes

How many late pays within the last 12 months on the currently open loan? 1

How many late pays within the last 13-24 months on the currently open loan? 1

Your current open auto loan is financed with? FMCC

Your current open auto loan payment is? $431.00

Estimated amount you may be upside down in this vehicle? $11k

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account you have? 9

Total percentage utilized overall? 70-75%

How many of your revolving accounts are store cards? 6

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2

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? 11+ years

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

Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance

How long have you held your current job? 7 years 2 mos.

Your total provable monthly gross income is? me $4243/mo. (dh $4334)

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

Is there additional monthly income? What amount monthly? no

Describe the source.

Is the additional monthly income provable?

 

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)? yes

If yes, please very briefly describe. 2 disputed Palisades collections that are not mine

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7

 

New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)

 

Can I do it alone. DH scores similar.

 

Thanks Marv!!!

[MarvBear]

11K upside down??????????????????????????

[getit2gether]

Credit Application:

 

Your Age? 41

 

Your Equifax Credit Score? 565

Your Experian Credit Score? 594

Your TransUnion Credit Score? 558

 

How many years have you been on file with Equifax? 20+

How many years have you been on file with Experian? 20+

How many years have you been on file with TransUnion? 20+

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? yes

Will this open auto loan be a trade-in? yes

How many late pays within the last 12 months on the currently open loan? 1

How many late pays within the last 13-24 months on the currently open loan? 1

Your current open auto loan is financed with? FMCC

Your current open auto loan payment is? $431.00

Estimated amount you may be upside down in this vehicle? $5-6k

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account you have? 9

Total percentage utilized overall? 70-75%

How many of your revolving accounts are store cards? 6

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2

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? 11+ years

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

Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance

How long have you held your current job? 7 years 2 mos.

Your total provable monthly gross income is? me $4243/mo. (dh $4334)

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

Is there additional monthly income? What amount monthly? no

Describe the source.

Is the additional monthly income provable?

 

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)? yes

If yes, please very briefly describe. 2 disputed Palisades collections that are not mine

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7

 

New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)

 

Sorry about that - was running out the door to get to class. Revised.

[getit2gether]

Credit Application:

 

Your Age? 41

 

Your Equifax Credit Score? 565

Your Experian Credit Score? 594

Your TransUnion Credit Score? 558

 

How many years have you been on file with Equifax? 20+

How many years have you been on file with Experian? 20+

How many years have you been on file with TransUnion? 20+

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? yes

Will this open auto loan be a trade-in? yes

How many late pays within the last 12 months on the currently open loan? 1

How many late pays within the last 13-24 months on the currently open loan? 1

Your current open auto loan is financed with? FMCC

Your current open auto loan payment is? $431.00

Estimated amount you may be upside down in this vehicle? $5-6k

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account you have? 9

Total percentage utilized overall? 70-75%

How many of your revolving accounts are store cards? 6

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2

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? 11+ years

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

Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance

How long have you held your current job? 7 years 2 mos.

Your total provable monthly gross income is? me $4243/mo. (dh $4334)

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

Is there additional monthly income? What amount monthly? no

Describe the source.

Is the additional monthly income provable?

 

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)? yes

If yes, please very briefly describe. 2 disputed Palisades collections that are not mine

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7

 

New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)

 

Sorry about that - was running out the door to get to class. Revised.

 

Also, may I add that I am eligible through my employer for the following Plans:

• GM Supplier New Vehicle Purchase Program Plus (Purchase or Lease)
  
• Daimler Chrysler Affiliate Reward Program (Purchase or Lease)
  
• Ford X-Plan (Purchase or Lease)
  

[MarvBear]

approved

[getit2gether]

approved

 

Thank you - we've decided to wait. Still cleaning up reports (hubby's report just jumped 36 points and mine jumped 7) and also want to pay down the loan more.

 

You really provide a great service here on CB! Thanks again!