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TODAY'S APPROVALS


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504 replies to this topic

#1 MarvBear

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Posted 29 January 2008 - 02:37 PM

Please post your automotive approvals in this thread using the below format. Provide as much of the information as you reliably know.

This is just for approvals, please keep extraneous comments related to any approval you see out of this thread. If you have a question or comment, please start a new topic in the main automotive forum for responses.

APPROVING BANK
BUREAU PULLED
CREDIT SCORE
CUSTOMER STATE OF RESIDENCE
NEW/USED
YEAR OF VEHICLE
MILEAGE
RETAIL/LEASE
AMOUNT OF LOAN
ADVANCE PERCENTAGE
TERM CONTRACTED
APR/LEASE RATE
MONTHLY PAYMENT
MISCELLANEOUS COMMENTARY:



#2 MarvBear

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Posted 29 January 2008 - 02:42 PM

APPROVING BANK GMAC
BUREAU PULLED Experian
CREDIT SCORE 740
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED Used
YEAR OF VEHICLE 2005
MILEAGE 93611
RETAIL/LEASE Retail
AMOUNT OF LOAN 14564.17
ADVANCE PERCENTAGE 191%
TERM CONTRACTED 72
APR/LEASE RATE 8.65
MONTHLY PAYMENT 260.00
MISCELLANEOUS COMMENTARY: very old credit file. 81% available utilization. Mortgage accounts all PIF.

#3 MarvBear

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Posted 29 January 2008 - 02:57 PM

APPROVING BANK GMAC
BUREAU PULLED Experian
CREDIT SCORE 731
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED New
YEAR OF VEHICLE 2007
MILEAGE 326
RETAIL/LEASE Retail
AMOUNT OF LOAN 28738.80
ADVANCE PERCENTAGE 73%
TERM CONTRACTED 72
APR/LEASE RATE 8.85
MONTHLY PAYMENT 517.77
MISCELLANEOUS COMMENTARY: PREVIOUS BK CH 7 FROM 2003 REPORTING DISCHARGED. 97% REVOLVING AVAILABLE. SELF EMPLOYED. GOOD MORTGAGE HISTORY AND GOOD PREVIOUS CAR CREDIT HISTORY. LONGEVITY IN RESIDENCE AND SELF EMPLOYED FOR 25 YEARS.


#4 somedaysomehow

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Posted 29 January 2008 - 04:58 PM

APPROVING BANK Capital One
BUREAU PULLED All three
CREDIT SCORE TU 526, EQ 583, EX 567
CUSTOMER STATE OF RESIDENCE Virginia
NEW/USED Used
YEAR OF VEHICLE 2004
MILEAGE 27200
RETAIL/LEASE Retail
AMOUNT OF LOAN $12,000
ADVANCE PERCENTAGE Not sure what this is, Marv. Can you explain?
TERM CONTRACTED 72 months ;) - I think this was because CapOne limited how high a percentage of my income my payment could be, and my income is low. This is just a theory, though. The finance guy never asked me what term I wanted.
APR/LEASE RATE 21.99%
MONTHLY PAYMENT $303
MISCELLANEOUS COMMENTARY: BK7 Discharged two days before car purchase. Have one credit card in good standing with Cap One (only had it a few months). Have previous history with CapOne also - all accounts PIF. CapOne was not IIB.

#5 Bloody but Unbowed

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Posted 30 January 2008 - 10:51 AM

APPROVING BANK BMW FINANCIAL SERVICES
BUREAU PULLED EQUIFAX (soft of TU+EX)
CREDIT SCORE 677
CUSTOMER STATE OF RESIDENCE DE
NEW/USED USED CPO
YEAR OF VEHICLE 2005
MILEAGE 43297
RETAIL/LEASE RETAIL
AMOUNT OF LOAN 48568
ADVANCE PERCENTAGE """Please Fill in MARV
TERM CONTRACTED 60
APR/LEASE RATE 2.9%
MONTHLY PAYMENT 846
MISCELLANEOUS COMMENTARY: Auto Loan history is perfect (4 prev loans). Highest prev loan was 30000. 3 Judgments (2pd,1unpd). Lots of collections on other reports but only 1 on this one. I was pleasantly surprised.


#6 MarvBear

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Posted 30 January 2008 - 02:55 PM

APPROVING BANK Citifinancial
BUREAU PULLED Equifax
CREDIT SCORE 601
CUSTOMER STATE OF RESIDENCE Florida
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 4
RETAIL/LEASE Retail
AMOUNT OF LOAN $17976.94
ADVANCE PERCENTAGE 105%
TERM CONTRACTED 72
APR/LEASE RATE 12.99
MONTHLY PAYMENT $360.77
MISCELLANEOUS COMMENTARY: Previous BK back in 2002, many charged off credit cards since BK. Two very short term PIF auto loans on file for less than 2 years.

#7 MarvBear

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Posted 01 February 2008 - 12:15 PM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 0
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 46319
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $13555.51
ADVANCE PERCENTAGE 107%
TERM CONTRACTED 60
APR/LEASE RATE 13.15%
MONTHLY PAYMENT 311.14
MISCELLANEOUS COMMENTARY: ONLY ONE PREVIOUS WELL PAID OUT AUTO LOAN THAT IS ABOUT TO FALL OFF THE BUREAU.

#8 MarvBear

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Posted 02 February 2008 - 09:25 AM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 793
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 34410
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $15142.65
ADVANCE PERCENTAGE 118%
TERM CONTRACTED 72
APR/LEASE RATE 8.55%
MONTHLY PAYMENT $269.58
MISCELLANEOUS COMMENTARY: ONE OPEN AUTO LOAN NOT BEING TRADED. CAR WAS RECENTLY TOTALED AND CUSTOMER HAD GAP INSURANCE, WAS NOT STIPPED FOR PROOF OF TRADE OR PROOF OF GAP PAYOFF. SYSTEM AUTO GENERATED APPROVAL.

#9 MarvBear

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Posted 02 February 2008 - 11:45 AM

APPROVING BANK CITIFINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 531
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2006
MILEAGE 11726
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $15885.86
ADVANCE PERCENTAGE 135%
TERM CONTRACTED 72
APR/LEASE RATE 18.77%
MONTHLY PAYMENT $372.11
MISCELLANEOUS COMMENTARY: PREVIOUS HIGH CREDIT WAS $4063, WHICH WAS AN AUTO THAT WAS REPOSSESSED. ONLY POSITIVE CREDIT CONSUMER HAS IS MULTIPLE SMALL LIMIT CREDIT CARDS. 10 YEAR JOB.

#10 MarvBear

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Posted 02 February 2008 - 12:40 PM

APPROVING BANK CITIFINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 587
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 18946
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $16420.65
ADVANCE PERCENTAGE 130%
TERM CONTRACTED 72
APR/LEASE RATE 17.50%
MONTHLY PAYMENT $372.55
MISCELLANEOUS COMMENTARY: PREVIOUS TERTIARY CUSTOMER, TRADING IN TERTIARY LOAN WITH 18 MONTHS OF GOOD PAYMENT HISTORY. 2+ YEAR JOB TIME. 10 YEAR RESIDENTIAL HISTORY IN SAME ADDRESS.

#11 anforlguy80

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Posted 04 February 2008 - 12:15 AM

APPROVING BANK WACHOVIA
BUREAU PULLED EQUIFAX
CREDIT SCORE 623
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 2384
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $12498
ADVANCE PERCENTAGE %
TERM CONTRACTED 60
APR/LEASE RATE 17.28%
MONTHLY PAYMENT $278.21
MISCELLANEOUS COMMENTARY: FIRST AUTO PURCHASE ACCORDING TO EQUIFAX - PREVIOUS AUTO LOAN D/C THRU BK7 THEN DELETED OFF THROUGH DISPUTES ALONG WITH BK RECORD (YAY!) FIRST TIME EVER WITH A PRIME LENDER - YAY!! :cry2:

Edited by MarvBear, 04 February 2008 - 09:54 AM.


#12 chinabloo

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Posted 04 February 2008 - 03:26 PM

OK, I finally have all the blanks filled in....

APPROVING BANK Wachovia
BUREAU PULLED Equifax
CREDIT SCORE TU - 608, EQ - 636, EX - 665
CUSTOMER STATE OF RESIDENCE Washington
NEW/USED Used
YEAR OF VEHICLE 2005 Explorer XLT
MILEAGE 65,000
RETAIL/LEASE Retail
AMOUNT OF LOAN 14800
ADVANCE PERCENTAGE 80%
TERM CONTRACTED 72
APR/LEASE RATE 8.4%
MONTHLY PAYMENT $265
MISCELLANEOUS COMMENTARY: This was with $1500 down which basically covered tax, Title, etc. Chap 7 discharged 5/2007. Gross income $6500/month, CC utilization 52% of $3800, only other debt is $338/month student loan.


#13 MarvBear

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Posted 11 February 2008 - 11:08 AM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 733
CUSTOMER STATE OF RESIDENCE FL
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 33144
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $28547.99
ADVANCE PERCENTAGE 132%
TERM CONTRACTED 72
APR/LEASE RATE 9.74%
MONTHLY PAYMENT 528.73
MISCELLANEOUS COMMENTARY: ONE YEAR OLD CHAPTER 7 BK ON FILE. KEPT VEHICLE THRU BK AND PAID FINE. PREVIOUS AUTO CREDIT PERFECT.

#14 Burton007

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Posted 11 February 2008 - 10:38 PM

Hello all...

APPROVING BANK Safe Credit Union
BUREAU PULLED Experian
CREDIT SCORE 698
CUSTOMER STATE OF RESIDENCE California
NEW/USED Used
YEAR OF VEHICLE 2007
MILEAGE 7500
RETAIL/LEASE Retail
AMOUNT OF LOAN 27315
ADVANCE PERCENTAGE ???
TERM CONTRACTED 72 months
APR/LEASE RATE 6.9%
MONTHLY PAYMENT $471
MISCELLANEOUS COMMENTARY: This credit union rocks and I can refinance if I choose down the road.

#15 approveo

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Posted 17 February 2008 - 09:38 PM

APPROVING BANK: ford motor credit
BUREAU PULLED: equifax
CREDIT SCORE: 606
CUSTOMER STATE OF RESIDENCE: sc
NEW/USED: new
YEAR OF VEHICLE: 2007
MILEAGE:23
RETAIL/LEASE: retail
AMOUNT OF LOAN: 27659.00
ADVANCE PERCENTAGE:
TERM CONTRACTED: 60 months
APR/LEASE RATE: 15
MONTHLY PAYMENT: 673.00
MISCELLANEOUS COMMENTARY: Had problem getting a loan due to some identity theft problems, so having a main stream creditor, is good enough, rate is bad, but in such, I got a loan. FMCC Tier 4 approval.

Edited by MarvBear, 18 February 2008 - 03:28 PM.


#16 MarvBear

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Posted 18 February 2008 - 03:26 PM

APPROVING BANK Wachovia
BUREAU PULLED Equifax
CREDIT SCORE 519
CUSTOMER STATE OF RESIDENCE FL
NEW/USED New
YEAR OF VEHICLE 2008
MILEAGE 74
RETAIL/LEASE Retail
AMOUNT OF LOAN $18730.40
ADVANCE PERCENTAGE 89%
TERM CONTRACTED 72
APR/LEASE RATE 15.25%
MONTHLY PAYMENT $398.60
MISCELLANEOUS COMMENTARY: Just discharge CH 7 BK. No re-establishment since BK.

#17 Fishy

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Posted 19 February 2008 - 11:58 PM

APPROVING BANK: BECU
BUREAU PULLED: Equifax
CREDIT SCORE: 763
CUSTOMER STATE OF RESIDENCE: OR
NEW/USED: Used
YEAR OF VEHICLE: 2007
MILEAGE: 29,462
RETAIL/LEASE: Retail
AMOUNT OF LOAN: 12,400
ADVANCE PERCENTAGE:
TERM CONTRACTED: 60 months
APR/LEASE RATE: 5.49%
MONTHLY PAYMENT: $243
MISCELLANEOUS COMMENTARY:

Edited by Fishy, 20 February 2008 - 12:00 AM.


#18 AutoTechInSTL

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Posted 21 February 2008 - 11:22 PM

St. Louis Area, MO

APPROVING BANK: "Triad" Financing
BUREAU PULLED: Exp
CREDIT SCORE: 590
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: USED
YEAR OF VEHICLE: 2005 Escape Hybrid
MILEAGE: 44,000
RETAIL/LEASE: RETAIL
AMOUNT OF LOAN: 16,000
ADVANCE PERCENTAGE: Don't know?
TERM CONTRACTED: 72 months
APR/LEASE RATE: 13.7%
MONTHLY PAYMENT: 330
MISCELLANEOUS COMMENTARY: BK7 Was just discharged 12/24. Had to put $1000 down. Vehicle blue books at 22K... salespeople didn't know it was a Hybrid! (It had just been traded in.. they hadn't even done their inspections yet when they told us the price).

APR kind of sucks, but happy to purchase it so close to our BK7. Our Insurance company (State Farm) told us to go to them after 12 months of good payments, and they'll be able to re-fi it for half the rate.

#19 Cactus Flower

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Posted 22 February 2008 - 08:18 AM

APPROVING BANK: JP Morgan/Chase Bank
BUREAU PULLED: TU & EQ
CREDIT SCORE: 703, 665 respectively
CUSTOMER STATE OF RESIDENCE: Arizona
NEW/USED: New
YEAR OF VEHICLE:2008
MILEAGE: 67
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $34,373
ADVANCE PERCENTAGE: ?
TERM CONTRACTED: 75 mo
APR/LEASE RATE: APR 7.89%
MONTHLY PAYMENT: $584
MISCELLANEOUS COMMENTARY: Original contract w/ dealer was $0 cash down ($1500 trade-in), 8.9% APR for 84 months (ouch!), payments of $592. The above is the final deal.. another $1000 down, lower APR, 1 year cut off the loan and slightly lower paments. I had a discharged BK7 from 12/2002 on my CR's, no baddies since. Only started rebuilding in Fall of 2006 after finding CB.

Edited by Cactus Flower, 22 February 2008 - 08:33 AM.


#20 MarvBear

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Posted 22 February 2008 - 01:42 PM

APPROVING BANK FLAMINGO FINANCE
BUREAU PULLED EQUIFAX
CREDIT SCORE 410
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2007
MILEAGE 14207
RETAIL/LEASE RETAIL
AMOUNT OF LOAN 11403.16
ADVANCE PERCENTAGE 68%
TERM CONTRACTED 44
APR/LEASE RATE 19.31%
MONTHLY PAYMENT 364.22
MISCELLANEOUS COMMENTARY: ONE OF THE WEAKEST CREDIT FILES I HAVE EVER SEEN. MULTIPLE REPOS, MULTIPLE CHARGEOFFS.


#21 MarvBear

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Posted 22 February 2008 - 06:57 PM

APPROVING BANK CITIFINANCIAL
BUREAU PULLED EQUIFAX
CREDIT SCORE 585
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 41024
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $15093.48
ADVANCE PERCENTAGE 141%
TERM CONTRACTED 72
APR/LEASE RATE 16.99
MONTHLY PAYMENT 338.03
MISCELLANEOUS COMMENTARY: THIN CREDIT FILE. MULTIPLE CHARGEOFFS AND LATE PAYS. GOOD PRIOR CAR CREDIT

#22 MarvBear

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Posted 25 February 2008 - 03:13 PM

APPROVING BANK SUNCOAST SCHOOLS FEDERAL CREDIT UNION
BUREAU PULLED EQUIFAX
CREDIT SCORE 782
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2004
MILEAGE 9400
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $33379.49
ADVANCE PERCENTAGE 92%
TERM CONTRACTED 60
APR/LEASE RATE 5.25%
MONTHLY PAYMENT $633.92
MISCELLANEOUS COMMENTARY: LONG LONG CREDIT FILE & SPOTLESS IMPECCABLE CREDIT FILE. SUNCOAST SCHOOLS USES A NON AUTO ENHANCED FICO SCORE

#23 MarvBear

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Posted 25 February 2008 - 03:17 PM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 609
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED USED
YEAR OF VEHICLE 2005
MILEAGE 24865
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $9987.19
ADVANCE PERCENTAGE 126%
TERM CONTRACTED 48
APR/LEASE RATE 13.49%
MONTHLY PAYMENT 271.36
MISCELLANEOUS COMMENTARY: SCORE IS LOW SIMPLY BECAUSE OF CREDIT CARD UTILIZATION. ALL CREDIT ON FILE IS ABSOLUTELY PERFECT. CUSTOMER IS OVERBURDENED WITH DEBT. THIS IS CAR LOAN NUMBER 3.

#24 MarvBear

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Posted 25 February 2008 - 03:21 PM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 609
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2007
MILEAGE 187
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $25007.78
ADVANCE PERCENTAGE 59%
TERM CONTRACTED 72
APR/LEASE RATE 7.49%
MONTHLY PAYMENT $433.59
MISCELLANEOUS COMMENTARY: CUSTOMER BROUGHT IN DRAFT FROM SUNCOAST SCHOOLS FEDERAL CREDIT UNION. I WAS ABLE TO BEAT THE SUNCOAST SCHOOLS FEDERAL CREDIT UNION RATE BY MORE THAN 2 POINTS.

#25 MarvBear

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Posted 25 February 2008 - 03:25 PM

APPROVING BANK GMAC
BUREAU PULLED EXPERIAN
CREDIT SCORE 803
CUSTOMER STATE OF RESIDENCE FLORIDA
NEW/USED NEW
YEAR OF VEHICLE 2008
MILEAGE 72
RETAIL/LEASE RETAIL
AMOUNT OF LOAN $17846.98
ADVANCE PERCENTAGE 104%
TERM CONTRACTED 72
APR/LEASE RATE 6.64%
MONTHLY PAYMENT $301.30
MISCELLANEOUS COMMENTARY: VERY OLD CREDIT FILE WITH SPOTLESS CREDIT.




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