448 replies to this topic

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 688
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 41480
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $23796.08
ADVANCE PERCENTAGE 138%
TERM CONTRACTED 72
APR/LEASE RATE 10.64%
MONTHLY PAYMENT $449.08
MISCELLANEOUS COMMENTARY: VERY THIN FILE. ONE PREVIOUS AUTO LOAN BEING TRADED, AND A DTI PROBLEM.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 684
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2007
MILEAGE 11
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $53535.45
ADVANCE PERCENTAGE 156%
TERM CONTRACTED 72
APR/LEASE RATE 10.99%
MONTHLY PAYMENT $1023.32
MISCELLANEOUS COMMENTARY: AUTOMATED SYSTEM APPROVAL. TRADING IN OPEN GMAC LOAN. VERY VERY OLD THICK FILE.

[Shane]

APPROVING BANK: Service FCU
BUREAU PULLED: EX
CREDIT SCORE: 801
CUSTOMER STATE OF RESIDENCE: US Army Germany
NEW/USED: NEW
YEAR OF VEHICLE: 08 BMW 335i
MILEAGE: 0 (Custom Build)
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $43.365.00
ADVANCE PERCENTAGE: 95%
TERM CONTRACTED: 70 months
APR/LEASE RATE: 4.14%
MONTHLY PAYMENT: $712
MISCELLANEOUS COMMENTARY: I asked for the 70 month since I already have a large payment. No baddies on CR, just not a lot of age (7 years). 36 hours from looking at dealer till ordered. SFCU was great. First auto loan, all other TL are CCs (3)

Edited by MarvBear, 21 April 2008 - 11:43 AM.
edit per the op.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 597
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2007
MILEAGE 232
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $41567.02
ADVANCE PERCENTAGE 124%
TERM CONTRACTED 72
APR/LEASE RATE 14.99%
MONTHLY PAYMENT $884.12
MISCELLANEOUS COMMENTARY: VERY HIGH UTILIZATION.

[MarvBear]

APPROVING BANK CAPITAL CITY BANK
BUREAU PULLED EQUIFAX
CREDIT SCORE 431
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2009
MILEAGE 12
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $2937.90
ADVANCE PERCENTAGE 13%
TERM CONTRACTED 30
APR/LEASE RATE 15.71%
MONTHLY PAYMENT $119.78
MISCELLANEOUS COMMENTARY: 11 TRADELINES ON FILE. ALL ACCOUNT CURRENTLY IN DEROG STATUS AND PAST DUE. NOT TRADING IN OPEN AUTO LOAN THAT IS ALSO PAST DUE. TOOK ME TWO WEEKS TO GET THIS ONE HANDLED.

[MarvBear]

APPROVING BANK BANK OF AMERICA
BUREAU PULLED EQUIFAX
CREDIT SCORE 766
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 41991
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $23080.06
ADVANCE PERCENTAGE 141%
TERM CONTRACTED 72
APR/LEASE RATE 5.90%
MONTHLY PAYMENT $383.99
MISCELLANEOUS COMMENTARY: STELLAR CREDIT FILE, HOWEVER THERE ARE MULTIPLE AUTO LOANS AND DTI ISSUES.

[cinta]

APPROVING BANK : Capital One Auto
BUREAU PULLED : All three
Your Equifax Credit Score? 672
Your Experian Credit Score? 688
Your TransUnion Credit Score? 701
CUSTOMER STATE OF RESIDENCE : MN
NEW/USED : New
YEAR OF VEHICLE : Preapproved - Blank cheque so i can buy any
MILEAGE :0
RETAIL/LEASE : Retail
AMOUNT OF LOAN :22500
ADVANCE PERCENTAGE:?
TERM CONTRACTED: 48
APR/LEASE RATE :6.39
MONTHLY PAYMENT :532.45
MISCELLANEOUS COMMENTARY:

Good news on my Auto Loan ... I got approved just cnt belive it ..but yeah i got it ...thanks for all ur suggestion ..

Applyed Online at Capital One Auto - Instantly approved for 22,500 i just asked for 18k ,
Loan Term : 48 Months at 5.69 ..

Pulled All three reporting tu,exp,eqf ..

Im not sure that 6.39 is good but im happy to get it lol ..

Edited by MarvBear, 23 April 2008 - 09:10 AM.
edited for consistency

[MarvBear]

APPROVING BANK AMERICREDIT FINANCIAL SERVICES
BUREAU PULLED EQUIFAX
CREDIT SCORE 505
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 5589
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $29737.15
ADVANCE PERCENTAGE 120.04%
TERM CONTRACTED 72
APR/LEASE RATE 18.23%
MONTHLY PAYMENT $687.22
MISCELLANEOUS COMMENTARY: EXTREMELY GOOD JOB TIME. 20+ YRS. SPOTTY PREVIOUS AUTO CREDIT.

[TheGooch]

APPROVING BANK: PenFed
BUREAU PULLED: Equifax
CREDIT SCORE: 767
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: New
YEAR OF VEHICLE: Ducati 848 Sport Bike
MILEAGE: 0
RETAIL/LEASE: Purchase
AMOUNT OF LOAN: $12,500
ADVANCE PERCENTAGE:
TERM CONTRACTED: 60 mo
APR/LEASE RATE: 7.29%
MONTHLY PAYMENT: $249.00
MISCELLANEOUS COMMENTARY: Was super easy actually. Applied on the phone, called a few times, was approved, and check FedExd the same day! HAD TO PUT 3,000.00 DOWN.

[AixiA]

APPROVING BANK: Wells Fargo
BUREAU PULLED: Equifax
CREDIT SCORE: 650
CUSTOMER STATE OF RESIDENCE: TX
NEW/USED: NEW
YEAR OF VEHICLE: 2008
MILEAGE: 13
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 21,980
ADVANCE PERCENTAGE:
TERM CONTRACTED: 72 Mos.
APR/LEASE RATE: 10.34
MONTHLY PAYMENT: 424
MISCELLANEOUS COMMENTARY: had one 8k dollar auto finance CO and 2 random COs (medical and utility)
Approval was 04/08

[whisla13]

APPROVING BANK: Star of Texas Credit Union
BUREAU PULLED: Equifax
CREDIT SCORE: 648
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used
YEAR OF VEHICLE: 2007
MILEAGE: 16,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $22,204.67
ADVANCE PERCENTAGE: ?
TERM CONTRACTED: 60 months
APR/LEASE RATE: 8.75%
MONTHLY PAYMENT: $459.80
MISCELLANEOUS COMMENTARY: Chrysler 300C. Would not trade my existing vehicle (upside down about $7,000), allowed me to carry two car loans.

[MarvBear]

APPROVING BANK CAPITAL CITY BANK
BUREAU PULLED EQUIFAX
CREDIT SCORE 491
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 13304
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $5689.58
ADVANCE PERCENTAGE 31%
TERM CONTRACTED 30
APR/LEASE RATE 14.90%
MONTHLY PAYMENT $233.76
MISCELLANEOUS COMMENTARY: MULTIPLE REPOSSESSIONS, MULTIPLE CHARGEOFFS.

[MarvBear]

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 658
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 19683
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $20348.37
ADVANCE PERCENTAGE 130%
TERM CONTRACTED 72
APR/LEASE RATE 11.64%
MONTHLY PAYMENT $395.90
MISCELLANEOUS COMMENTARY: TWO OPEN AUTO LOANS NOT BEING TRADED, ADDING A THIRD VEHICLE. SLOPPY CREDIT FILE, MULTIPLE COLLECTIONS AND CHARGEOFFS. ALSO THIS IS AN ADDITIONAL GMAC LOAN. CURRENT GMAC HISTORY VERY GOOD. VERY GOOD RESIDENTIAL HISTORY AND VERY GOOD JOB TIME.

[builder2500]

APPROVING BANK HSBC
BUREAU PULLED Trans Union
CREDIT SCORE 531
CUSTOMER STATE OF RESIDENCE AL
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 32k
RETAIL/LEASE Retail
AMOUNT OF LOAN 37k
ADVANCE PERCENTAGE
TERM CONTRACTED 72
APR/LEASE RATE 14.29
MONTHLY PAYMENT 768.19
MISCELLANEOUS COMMENTARY:

Purchased from Toyota of Dallas. Great F&I guys! $8k down

[5ofus]

APPROVING BANK Ford Credit
BUREAU PULLED EQ
CREDIT SCORE DH: 682 MYFICO on 4/9 Me: 700 MYFICO on 4/9
CUSTOMER STATE OF RESIDENCE WI
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 22800
RETAIL/LEASE RETAIL
AMOUNT OF LOAN 14690
ADVANCE PERCENTAGE 109%
TERM CONTRACTED 60 Months
APR/LEASE RATE 5.9%
MONTHLY PAYMENT$284
MISCELLANEOUS COMMENTARY: Went in w/ preapproval from local CU for 6.5%. DH has 1 PD 6.5 yr old judgment on EQ. Mine is clean. Rolled almost $1000 of neg. equity from trade. Put $500 cash down.

Edited by 5ofus, 28 April 2008 - 07:54 PM.

[cbarr]

APPROVING BANK: Audi financial (Volkswagen)
BUREAU PULLED: TU only
CREDIT SCORE: 610
CUSTOMER STATE OF RESIDENCE: WA
NEW/USED: NEW
YEAR OF VEHICLE: 2008
MILEAGE: 45
RETAIL/LEASE: LEASE
AMOUNT OF LOAN: ~21K total payments, 40K vehicle
ADVANCE PERCENTAGE: ?
TERM CONTRACTED: 36/12K
APR/LEASE RATE: MF .00110
MONTHLY PAYMENT: 550 tax incl.
MISCELLANEOUS COMMENTARY: Ficos ranging from 601-625, 7 months of auto history. No baddies, 95% utilization, 180K income. Cap cost redution required equal to roughly 2 months of payments.

[Huxley_knew]

APPROVING BANK: Audi Financial Services
BUREAU PULLED: Experian
CREDIT SCORE: MyFico: 773, EX Auto: 725
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: NEW
YEAR OF VEHICLE: 2008
MILEAGE: New
RETAIL/LEASE: Sale
AMOUNT OF LOAN: $24,300
ADVANCE PERCENTAGE: 80%
TERM CONTRACTED: 60 mo
APR/LEASE RATE: 3.9% (!!!)
MONTHLY PAYMENT: $455.43
MISCELLANEOUS COMMENTARY: Had been pre-approved through BofA, dealer was able to beat by 1%!! Put $8500 down, just to keep my payments to a minimum

[nyscene911]

APPROVING BANK Teachers FCU
BUREAU PULLED Unknown
CREDIT SCORE EX and TU-666, Eq-656
CUSTOMER STATE OF RESIDENCE NY
NEW/USED USED
YEAR OF VEHICLE 2003
MILEAGE 68609
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $15788.53
ADVANCE PERCENTAGE ?
TERM CONTRACTED 60
APR/LEASE RATE 6.49%
MONTHLY PAYMENT $308.85
MISCELLANEOUS COMMENTARY: Short History, lots of new-ish (10 month old) cards. One 4yo charge off

Edited by nyscene911, 05 May 2008 - 02:55 PM.

[mpicart]

APPROVING BANK Ford Motor Credit (Lincoln)
BUREAU PULLED Equifax
CREDIT SCORE EQ 620 (as of March)
CUSTOMER STATE OF RESIDENCE FL
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 105
RETAIL/LEASE Lease
AMOUNT OF LOAN $19078
ADVANCE PERCENTAGE
TERM CONTRACTED 36
APR/LEASE RATE 5.25%
MONTHLY PAYMENT $531
MISCELLANEOUS COMMENTARY: Took 2-3 days to get done. X-Plan price with Red Carpet Lease, approved at Tier II, would not approve for 39 months, only 36. This is a second car loan under my name. Max Payment NTE $545. $500k required, but I put $1400 so that I could get the Road Hazard for the tires and the WearCare.
Oh, I got rear ended 4 days later. Still waiting on claim results... Already showing on TU

Edited by MarvBear, 05 May 2008 - 06:42 PM.

[snypam118]

APPROVING BANK GMAC
BUREAU PULLED TU..I actually told the dealership that TU needs to be pulled
CREDIT SCORE 679
CUSTOMER STATE OF RESIDENCE TN
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 80
RETAIL/LEASE retail
AMOUNT OF LOAN 32800
ADVANCE PERCENTAGE MEMBER DID NOT POST
TERM CONTRACTED 60
APR/LEASE RATE 7.8%
MONTHLY PAYMENT MEMBER DID NOT POST
MISCELLANEOUS COMMENTARY:

[darkdoj]

APPROVING BANK: Mazda American Credit
BUREAU PULLED: Experian
CREDIT SCORE: 646
CUSTOMER STATE OF RESIDENCE: California
NEW/USED: New
YEAR OF VEHICLE: 2008
MILEAGE: 10
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 21875
ADVANCE PERCENTAGE: 100%
TERM CONTRACTED: 48
APR/LEASE RATE: 7.99
MONTHLY PAYMENT: 531.02
MISCELLANEOUS COMMENTARY:
No Money Down. Used Rebate of 2750. Purchased low jack on vehicle for price of $500 to bring insurance rate down after crashing previous paid off car. Multiple (3-4) paid (last 4-8 years) autoloans, all paid in full. Some were refinances of previous vehicles. MSRP was almost $23k. Total Advance includes Taxes, Title and License Fees.

[sdoody00]

APPROVING BANK PenFed
BUREAU PULLED EX
CREDIT SCORE 663
CUSTOMER STATE OF RESIDENCE MA
NEW/USED Used
YEAR OF VEHICLE 2002
MILEAGE 58,600
RETAIL/LEASE Retail
AMOUNT OF LOAN 15000
ADVANCE PERCENTAGE 110%
TERM CONTRACTED 60 mos
APR/LEASE RATE 4.25% Great Rate!
MONTHLY PAYMENT 290
MISCELLANEOUS COMMENTARY: PenFed is great to work with. No Down Payment. I have transfered all my bank accounts to them... highly recommend them!

[tcufroggie]

APPROVING BANK Toyota Financial
BUREAU PULLED All Three
CREDIT SCORE 640-680
CUSTOMER STATE OF RESIDENCE Texas
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 47
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $50500
ADVANCE PERCENTAGE 95%
TERM CONTRACTED 60
APR/LEASE RATE 0.0%
MONTHLY PAYMENT $840.88
MISCELLANEOUS COMMENTARY: 2008 Toyota Sequoia Limited fully loaded. Was able to qualify for the internal incentive of 0.0% APR.

[drdre1443]

APPROVING BANK VW Credit
BUREAU PULLEDTU
CREDIT SCORE641 FICO
CUSTOMER STATE OF RESIDENCENC
NEW/USEDNEW
YEAR OF VEHICLE2008
MILEAGE475
RETAIL/LEASERETAIL
AMOUNT OF LOAN29,025
ADVANCE PERCENTAGE118%
TERM CONTRACTED60 mo.
APR/LEASE RATE8.65%
MONTHLY PAYMENT$601
MISCELLANEOUS COMMENTARY:3 previous auto loans paid. Last loan had 5 30 days. VW did not ask for proof of income or residency. Approved at D tier (2.9%+5.75%)

Edited by MarvBear, 27 May 2008 - 03:49 PM.

[NewfoundFreedom]

APPROVING BANK Global FCU
BUREAU PULLED EX
CREDIT SCORE DH: 661
CUSTOMER STATE OF RESIDENCE WA
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 5
RETAIL/LEASE RETAIL
AMOUNT OF LOAN 41000
ADVANCE PERCENTAGE 104%
TERM CONTRACTED 72 Months
APR/LEASE RATE 6.7%
MONTHLY PAYMENT$693
MISCELLANEOUS COMMENTARY: BK7 from 05, 2 paid perfect car loans, current paid perfect car loan that was traded in.