448 replies to this topic

[MarvBear]

APPROVING BANK CITIFINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 580
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 8941
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $23255.46
ADVANCE PERCENTAGE 120%
TERM CONTRACTED 72
APR/LEASE RATE 22.25%
MONTHLY PAYMENT $593.15
MISCELLANEOUS COMMENTARY: JUST DISCHARGED BK. TOOK ABSOLUTELY EVERYONE DOWN WITH THE SOLE EXCEPTION OF CITI. TWO FORECLOSED HOUSES. GOOD JOB TIME THOUGH.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 792
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 35
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $18784.65
ADVANCE PERCENTAGE 84%
TERM CONTRACTED 72
APR/LEASE RATE 7.64%
MONTHLY PAYMENT $327.08
MISCELLANEOUS COMMENTARY: 77% REVOLVING AVAILABLE. BEEN IN FILE SINCE 1978. 42 SATISFACTORY ACCOUNTS. 11 PAID OUT ACCOUNTS. ONLY ONE INQUIRY DURING LAST 6 MONTHS. NO DELINQUENCIES ON FILE.

[memory]

APPROVING BANK EASTERN BANK
BUREAU PULLED EXPERIAN
CREDIT SCORE 734
CUSTOMER STATE OF RESIDENCE MASSACHUSETTS
NEW/USED USED CAMRY XLE
YEAR OF VEHICLE 2005
MILEAGE 12081
RETAIL/LEASE RETAIL RETAIL
AMOUNT OF LOAN $19000
ADVANCE PERCENTAGE
TERM CONTRACTED 60
APR/LEASE RATE 6.9%
MONTHLY PAYMENT $375
MISCELLANEOUS COMMENTARY: BK7 DISCHARGED 2/06, 8 YEARS EMPLOYMENT WITH SAME COMPANY, EXPERIAN FICO 696 BUT AUTO ENHANCED WAS 734, FINANCED BY DEALER

[tarheel5805]

APPROVING BANK HONDA FINANCIAL]
BUREAU PULLED EQ - TU -EX
CUSTOMER STATE OF RESIDENCE VIRGINIA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 8200
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $22,500
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 66
APR/LEASE RATE 7.36%
MONTHLY PAYMENT $403
MISCELLANEOUS COMMENTARY: ACCORD EX-L V-6

I was also approved through Capitol One (11.45%) AND NAVY FEDERAL (9.25%).The Honda F & I rep stated that if you have new TL, Honda will usually approve you.

Cards that I've been approved for:

NAVY FED. PLATINUM $10,000
NAVY FED. NAVCHECK $8,000
JARED $800.00
JB ROBINSON $800.00
KAY $800.00
HOOTERS $500.00
TARGET $200
HONDA $22,500

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 634
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 22623
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $12061.90
ADVANCE PERCENTAGE 126%
TERM CONTRACTED 66
APR/LEASE RATE 11.64%
MONTHLY PAYMENT $249.49
MISCELLANEOUS COMMENTARY: DECENT CREDIT FILE, GOOD AUTO PAY HISTORY, ONLY PROBLEM CONSUMER AT 172% DTI. TOUGH COOKIE TO GET DONE.

[MarvBear]

from our member Major Payne:

APPROVING BANK Cap one
BUREAU PULLED Equifax
CREDIT SCORE 480
CUSTOMER STATE OF RESIDENCE North Carolina
NEW/USED Used
YEAR OF VEHICLE 2006
MILEAGE 34000
RETAIL/LEASE Retail
AMOUNT OF LOAN 24150
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 18%
MONTHLY PAYMENT 548
MISCELLANEOUS COMMENTARY: Bk7 discharged Nov 2007, Used FI with Nissan dealer.

[The fenceman]

APPROVING BANK : GMAC
BUREAU PULLED: Experian then EQUIFAX
CREDIT SCORE 580 Experian 610 Equifax
CUSTOMER STATE OF RESIDENCE New York
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 10
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $29500
ADVANCE PERCENTAGE
TERM CONTRACTED 60

APR/LEASE RATE 2.9%
MONTHLY PAYMENT $520.00
MISCELLANEOUS COMMENTARY: Lots of car history in last 5 years,had 2 co-signed re-po's,1st pulled Experian which showed re-po's,ask to pull Equifax then approval at best rate.One of the best finance guys I have ever dealt with! He had pull with GMAC

Edited by The fenceman, 11 March 2008 - 10:27 PM.

[MarvBear]

APPROVING BANK CITIFINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 575
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 53189
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $14392.24
ADVANCE PERCENTAGE 151%
TERM CONTRACTED 72
APR/LEASE RATE 17.99%
MONTHLY PAYMENT $330.60
MISCELLANEOUS COMMENTARY:VERY POOR PRIOR AUTO CREDIT. GOOD INCOME & JOB TIME HOWEVER.

[deadem]

APPROVING BANK Infiniti Financial
BUREAU PULLED EQUIFAX
CREDIT SCORE 708
CUSTOMER STATE OF RESIDENCE North Carolina
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 25
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $32321.31
ADVANCE PERCENTAGE
TERM CONTRACTED 63
APR/LEASE RATE 2.9%
MONTHLY PAYMENT $569.01
MISCELLANEOUS COMMENTARY

[MarvBear]

APPROVING BANK CHRYSLER FINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 834
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 8
RETAIL/LEASE LEASE
AMOUNT OF LOAN $25694.50
ADVANCE PERCENTAGE 91%
TERM CONTRACTED 36
APR/LEASE RATE .00186
MONTHLY PAYMENT $428.11 INCLUDES SALES TAX
MISCELLANEOUS COMMENTARY: SYSTEM AUTO APPROVAL. PRIOR CHRYSLER FINANCIAL CUSTOMER, TURNING IN CURRENT LEASED VEHICLE AT END OF TERM

[lostnjax]

APPROVING BANK Capital One (Blank Check)
BUREAU PULLED: All 3
CREDIT SCORE: EQ 567 EX 572 TU 508
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: Used
YEAR OF VEHICLE: 2007
MILEAGE: 28k
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $13876
ADVANCE PERCENTAGE: 120%
TERM CONTRACTED: 72
APR/LEASE RATE: 16.45%
MONTHLY PAYMENT: 302.05
MISCELLANEOUS COMMENTARY: This car was for my sister and she had a BK in 2006 discharged. No positive tradelines since BK. Had a foreclosure included in BK but also showing a good mortgage as well. monthly income is right at 3k/mo

[hektik02]

APPROVING BANK NAVY FEDERAL CREDIT UNION
BUREAU PULLED EQUIFAX
CREDIT SCORE 680 FICO
CUSTOMER STATE OF RESIDENCE CALIFORNIA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 33000
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $18,966.30
ADVANCE PERCENTAGE
TERM CONTRACTED 60 MONTHS
APR/LEASE RATE 6.75%
MONTHLY PAYMENT $373
MISCELLANEOUS COMMENTARY: THIS WAS A USED AUTO REFINANCE. REFID AFTER 4 MONTHS INTO MY ORIGINAL AUTO LOAN. PREVIOUS APR WAS 11.39% CLEAN EQUIFAX REPORT.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 628
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 58627
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $5997.55
ADVANCE PERCENTAGE 34%
TERM CONTRACTED 36
APR/LEASE RATE 7.29%
MONTHLY PAYMENT $186.54
MISCELLANEOUS COMMENTARY: 2 MINOR COLLECTION ACCOUNTS. PREVIOUS AUTO CREDIT STRONG. JOB & RESIDENCY STRONG.

[MarvBear]

APPROVING BANK ROADLOANS
BUREAU PULLED EQUIFAX
CREDIT SCORE 577
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 9917
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $19197.41
ADVANCE PERCENTAGE 118%
TERM CONTRACTED 72
APR/LEASE RATE 16.84%
MONTHLY PAYMENT $429.80
MISCELLANEOUS COMMENTARY: THE BULK OF THE CREDIT FILE WAS CHARGEOFFS AND FORECLOSURE. PAST DUE CHILD SUPPORT AND ONE REPO.

[Bchurch]

APPROVING BANK Honda Motorcycle
BUREAU PULLED EXPERIAN
CREDIT SCORE 606
CUSTOMER STATE OF RESIDENCE Texas
NEW/USED Used
YEAR OF VEHICLE 2006
MILEAGE 1200
RETAIL/LEASE Retail
AMOUNT OF LOAN $12100.00
ADVANCE PERCENTAGE
TERM CONTRACTED 60
APR/LEASE RATE 15.9%
MONTHLY PAYMENT $295.00
MISCELLANEOUS COMMENTARY: I never thought I would be able to finance a bike. I did have to have 2K down though :-(

Edited by MarvBear, 20 March 2008 - 03:02 PM.
formatting

[mysschevous]

APPROVING BANK American Honda Motor Finance
BUREAU PULLED TU
CREDIT SCORE 705
CUSTOMER STATE OF RESIDENCE Connecticut
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 26
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $38572
ADVANCE PERCENTAGE ?
TERM CONTRACTED 60
APR/LEASE RATE 4.5%
MONTHLY PAYMENT 719
MISCELLANEOUS COMMENTARY: 3.5 K down, Fully loaded RTL with about $7K of additional options.

Edited to change text color of answers

Edited by mysschevous, 28 March 2008 - 09:10 PM.

[MarvBear]

APPROVING BANK DRIVE FINANCIAL SERVICES
BUREAU PULLED EQUIFAX
CREDIT SCORE 472
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 12954
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $18210.54
ADVANCE PERCENTAGE 107%
TERM CONTRACTED 72
APR/LEASE RATE 18.23%
MONTHLY PAYMENT $418.14
MISCELLANEOUS COMMENTARY: PREVIOUS REPO, CURRENTLY IN FORECLOSURE.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 576
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2006
MILEAGE 24060
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $14685.36
ADVANCE PERCENTAGE 109
TERM CONTRACTED 72
APR/LEASE RATE 13.54%
MONTHLY PAYMENT $298.99
MISCELLANEOUS COMMENTARY: CONSUMER CURRENTLY IN CONSUMER CREDIT COUNSELING.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 534
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 14
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $16991.84
ADVANCE PERCENTAGE 91%
TERM CONTRACTED 72
APR/LEASE RATE 11.99%
MONTHLY PAYMENT $324.79
MISCELLANEOUS COMMENTARY: PREVIOUS BK, ONE CURRENT OPEN AUTO LOAN NOT BEING TRADED, PREVIOUS EXPERIENCE WITH GMAC.

[MarvBear]

APPROVING BANK AMERICAN GENERAL FINANCE
BUREAU PULLED TRANSUNION
CREDIT SCORE 461
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2003
MILEAGE 53329
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $7276.96
ADVANCE PERCENTAGE 135%
TERM CONTRACTED 42
APR/LEASE RATE 17.99%
MONTHLY PAYMENT $236.48
MISCELLANEOUS COMMENTARY:MULTIPLE MEDICAL COLLECTIONS. OPEN AUTO LOAN NOT BEING TRADED, SHORT JOB TIME, JUDGMENTS & PREVIOUS REPO.

[jga1980]

APPROVING BANK :Justice Federal Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 652
CUSTOMER STATE OF RESIDENCE; FL
NEW/USED: New
YEAR OF VEHICLE: 2009
MILEAGE: 8
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,238
ADVANCE PERCENTAGE
TERM CONTRACTED: 60 months
APR/LEASE RATE: 6.25
MONTHLY PAYMENT: 432
MISCELLANEOUS COMMENTARY: JFCU rocks!!

Edited by MarvBear, 01 April 2008 - 09:54 AM.
FORMATTING CONSISTENCY

[Chris in OK]

Mine's a little late, but here it is:

APPROVING BANK: US Bank
BUREAU PULLED: Transunion
CREDIT SCORE: 725
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Used
YEAR OF VEHICLE: 2006
MILEAGE: 23515
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $26695
ADVANCE PERCENTAGE: 108%
TERM CONTRACTED: 72 months
APR/LEASE RATE: 5.85%
MONTHLY PAYMENT: 442
MISCELLANEOUS COMMENTARY: Initially pulled EX, called and had them pull TU. Instant approval Tier 0 5.85% buy rate.

[enoughnever]

APPROVING BANK Captial One, through Lending Tree
BUREAU PULLED Not sure
CREDIT SCORE TU 604, EQ 669, EX 673
CUSTOMER STATE OF RESIDENCE Louisiana
NEW/USED new
YEAR OF VEHICLE 2008
MILEAGE 35
RETAIL/LEASE retail
AMOUNT OF LOAN 46,655
ADVANCE PERCENTAGE ?
TERM CONTRACTED 60 months
APR/LEASE RATE 6.49%
MONTHLY PAYMENT 915.77
MISCELLANEOUS COMMENTARY: Also was approved through dealer with Cap One at 14%. Was denied by just about everybody else, including Penfed credit union. Chapter 7 discharged 7/2004.

[EVO]

APPROVING BANK CHRISTIAN COMMUNITY CREDIT UNION
BUREAU PULLED EXPERIAN
CREDIT SCORE 674
CUSTOMER STATE OF RESIDENCE CALIFORNIA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 16,500
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $17,055.00
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 60
APR/LEASE RATE 6.0%
MONTHLY PAYMENT $328.77
MISCELLANEOUS COMMENTARY:TIER B, 0.25% DISCOUNT FOR NEW MEMBER, 0.25% DISCOUNT FOR OPENING CHECKING ACCOUNT (AUTO-PAY)

Edited by MarvBear, 05 April 2008 - 01:26 PM.
FORMATTING CONSISTENCY

[LINKBRAN]

APPROVING BANK Navy Federal Credit Union
BUREAU PULLED EQUIFAX
CREDIT SCORE 644
CUSTOMER STATE OF RESIDENCE Virginia
NEW/USED USED NEW
YEAR OF VEHICLE 2008
MILEAGE 0-99miles
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $25,000
ADVANCE PERCENTAGE 100%
TERM CONTRACTED 60
APR/LEASE RATE 8.75%
MONTHLY PAYMENT $500-525
MISCELLANEOUS COMMENTARY: Used to buy a new Volvo S40 T5, through the Volvo military sales program, had been denied instantly while I had a fraud alert on file, as soon as that fell off, got approved twice in a week. Thanks for the help Marv.