Credit App for Klesko

[Klesko]

Your Age? 30

 

Your Equifax Credit Score? 630

Your Experian Credit Score? 580

Your TransUnion Credit Score? 650

 

How many years have you been on file with Equifax? 12

How many years have you been on file with Experian? 12

How many years have you been on file with TransUnion? 12

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? Yes

Will this open auto loan be a trade-in? No (selling it privately)

How many late pays within the last 12 months on the currently open loan? 0

How many late pays within the last 13-24 months on the currently open loan? 0

Your current open auto loan is financed with? Allegacy Credit Union

Your current open auto loan payment is? $420

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

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10 (never late)

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 1 AU on 2 as well

Total percentage utilized overall? 1%

How many of your revolving accounts are store cards? 0

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1

How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 2

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

Your Monthly Rent or Mortgage payment? 845

How long have you held your current job? 4 yrs

Your total provable monthly gross income is? 8000

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

Is there additional monthly income? What amount monthly?

Describe the source.

Is the additional monthly income provable?

Spousal income is not applicable.

 

YOUR DOWNPAYMENT

Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 0

Does any credit repository contain any Public Record? Yes

If yes, please very briefly describe. Rental Judgment 2k Not paid, 2.5 years old only shows on EX

 

Does any credit repository contain any Collection Account(s)?

If yes, please very briefly describe.

 

TU - 3, 2 of which are Not paid, EX 4 , 2 of which are not not paid, EQ - 3, 2 of which are Not paid

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6

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

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 4

 

New or Used vehicle you are considering: Please very briefly describe.

 

No sure really... I am looking to sell my current card which has about 6-9k equity in it and get something which I can drive to work mainly. Just looking at options for about a 20k or less car. My current loan is 4.5% (when my credit was great) but I am needing to raise some cash.

[MarvBear]

APPROVED w/proof of trade paid in full.

[Klesko]

Any idea what interest rate I would be looking at? I know you cant tell for sure but am I looking at 18%? or closer to 9%?

[MarvBear]

I'm sorry, unfortunately I find it next to impossible to predict an apr.

[Klesko]

Who would you recommend applying with?

 

I was thinking HSBC but I have 2 old CO from hsbc cards which are not paid.. they are my only old collections which are not paid yet.

[MarvBear]

A dealer who sells the vehicle of your choice.