Who does dealers pull credit from.

[bad credit man]

WHO does dealers pull credit reports from do they pull from all 3. i have been post bk for 5 month's and dealers are sending me offers in the mail and i need a new car but want to know if i will get approved with my scores.

Edited March 29, 2008 by bad credit man

[MarvBear]

you are probably getting promotional offers.

 

We typically purchase BK lists.

 

I always pull all three bureaus.

[bad credit man]

you are probably getting promotional offers.

 

We typically purchase BK lists.

 

I always pull all three bureaus.

with my scores in sig can i be approved.

[MarvBear]

you can post the credit application in this thread for review. It isn't always about just a score.

[bad credit man]

Credit Application:

 

Your Age39

 

Your Equifax Credit Score:672

Your Experian Credit Score:616

Your TransUnion Credit Score:600

 

How many years have you been on file with Equifax: 10years

How many years have you been on file with Experian:10years

How many years have you been on file with TransUnion:10 years

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan: no II bk was a repo from 2002

Will this open auto loan be a trade-in?

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

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

Your current open auto loan is financed with?

Your current open auto loan payment is?

Estimated amount you may be upside down in this vehicle?

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

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have2

Total percentage utilized overall:10

How many of your revolving accounts are store cards:1

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

How many of your revolving accounts are known subprime credit cards :1

 

YOUR PERSONAL INFORMATION

 

How long at your current residence: 3 years

Do you Rent or have a Mortgage, or Live w/Relati: rent

Your Monthly Rent or Mortgage payment:650

How long have you held your current job: 3years

Your total provable monthly gross income is: 38,000

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

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.)500.00

Does any credit repository contain any Public Record:YES

If yes, please very briefly describe: BK

 

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

If yes, please very briefly describe: NO

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7

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

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

 

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

[MarvBear]

approved with POI as stated at $38,000.00 monthly.

[hurricanesfans27]

any derogs after the bk?

[bad credit man]

approved with POI as stated at $38,000.00 monthly.

that supposed to be yearly

Edited March 29, 2008 by bad credit man

[bad credit man]

Credit Application:

 

Your Age39

 

Your Equifax Credit Score:672

Your Experian Credit Score:616

Your TransUnion Credit Score:600

 

How many years have you been on file with Equifax: 10years

How many years have you been on file with Experian:10years

How many years have you been on file with TransUnion:10 years

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan: no II bk was a repo from 2002

Will this open auto loan be a trade-in?

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

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

Your current open auto loan is financed with?

Your current open auto loan payment is?

Estimated amount you may be upside down in this vehicle?

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

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have2

Total percentage utilized overall:10

How many of your revolving accounts are store cards:1

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

How many of your revolving accounts are known subprime credit cards :1

 

YOUR PERSONAL INFORMATION

 

How long at your current residence: 3 years

Do you Rent or have a Mortgage, or Live w/Relati: rent

Your Monthly Rent or Mortgage payment:650

How long have you held your current job: 3years

Your total provable monthly gross income is:

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

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.)500.00

Does any credit repository contain any Public Record:YES

If yes, please very briefly describe: BK

 

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

If yes, please very briefly describe: NO

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7

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

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

 

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

edit! 38,000 yearly.

[bad credit man]

any derogs after the bk?

no

[MarvBear]

Approved

[bad credit man]

Approved

thanks marv is it good to apply online for a loan.

[hurricanesfans27]

Approved

 

 

 

2nd