Credit app for Marv

[madman]

Credit Application:

 

Your Age? 33

 

Your Equifax Credit Score?634

Your Experian Credit Score?581

Your TransUnion Credit Score?632

 

How many years have you been on file with Equifax?6

How many years have you been on file with Experian?6

How many years have you been on file with TransUnion?6

 

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? None

How many late pays within the last 13-24 months on the currently open loan? None

Your current open auto loan is financed with? Amarillo National Bank

Your current open auto loan payment is? $539

Estimated amount you may be upside down in this vehicle?$1000

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

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 5

Total percentage utilized overall?80%

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) 5

How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 2

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 6 years

Do you Rent or have a Mortgage, or Live w/Relative or Other? other (company house)

Your Monthly Rent or Mortgage payment? 0

How long have you held your current job? 3 years 1 month

Your total provable monthly gross income is? $2000

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

Is there additional monthly income? What amount monthly?yes $500

Describe the source. Overtime

Is the additional monthly income provable? Yes

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.) $1500

Does any credit repository contain any Public Record? NO

If yes, please very briefly describe.

 

Does any credit repository contain any Collection Account(s)? NO

If yes, please very briefly describe.

2 medical collections

1 school loan(paying monthly)

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8

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) 9

 

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

 

New 2007 chevy LT1 crew cab 4X4

[MarvBear]

I'd approve you if you could learn how to fill out an application accurately.

[madman]

Sorry marvbear but what did I do wrong. and Thanks for your help

[MarvBear]

Your total provable monthly gross income is? $2000

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

Is there additional monthly income? What amount monthly?yes $500

Describe the source. Overtime

 

Your overtime,

 

if your job time is at least 6 months then you overtime is NOT considered additional income.

 

Do NOT make the mistake of listing it as additional monthly income. That's reserved for legitimate ADDITIONAL monthly income.

[madman]

Thanks Marvbear for pointing that out to me. So since that is what I make every month in overtime do I just count that towards my total monthly income. I have all my paystubs to prove that it is paid out monthly, or do I just claim my basepay. Thanks again for your help.

[MarvBear]

a computer generated paycheck stub will have your YTD earning. That YTD figure would include overtime. We would use the YTD figure to verify your income if requested.