Credit App for Marv

[ziggypop]

Credit Application:

 

Your Age? 38

 

Your Equifax Credit Score? 693

Your Experian Credit Score? 707

Your TransUnion Credit Score? 668

 

How many years have you been on file with Equifax? 12 years

How many years have you been on file with Experian? 12 years

How many years have you been on file with TransUnion? 12 years

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? No

Will this open auto loan be a trade-in? N/A

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? N/A

Your current open auto loan payment is? N/A

Estimated amount you may be upside down in this vehicle? N/A

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) None open, but I do have an auto loan on my report that was paid off two years ago. One 30-day-late from 2003.

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 8

Total percentage utilized overall? ~17-18%

How many of your revolving accounts are store cards? 2

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 6

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

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 5 years, 4 mos.

Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent

Your Monthly Rent or Mortgage payment? 1300

How long have you held your current job? 1 month (no unemployment between, however). This is what is concerning me the most. Since my credit's not stellar, I'm concerned this will be problematic.

Your total provable monthly gross income is? $5833

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

Is there additional monthly income? What amount monthly? No

Describe the source. N/A

Is the additional monthly income provable? N/A

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.) $3000-$4000 (I would prefer less, if possible)

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

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

If yes, please very briefly describe. 1 6-year-old Verizon C/O from 2002 (unpaid) and several student loan default TLs (all paid and in good standing since 9/2004)

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6 (no late payments for 5 1/2 years)

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 5 (10 since 2004)

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9 (one 30-day late in 2002)

 

New or Used vehicle you are considering: Please very briefly describe. 2009 Subaru Forester 2.5X Premium or, possibly, 2008 Nissan Rogue SL

 

 

THANKS MARV!!!!

[MarvBear]