Bogfrog's Credit Application

[bogfrog]

How does this look?

 

Credit Application:

 

Your Age? 35

 

Your Equifax Credit Score? 668

Your Experian Credit Score? 674

Your TransUnion Credit Score? 656

 

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

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

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

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? No

Will this open auto loan be a trade-in? No open auto loan

How many late pays within the last 12 months on the currently open loan? No open auto loan

How many late pays within the last 13-24 months on the currently open loan? No open auto loan

Your current open auto loan is financed with? No open auto loan

Your current open auto loan payment is? No open auto loan

Estimated amount you may be upside down in this vehicle? No open auto loan

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) No open auto loan

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 10

Total percentage utilized overall? 84% of total available (some cards are empty, other almost full)

How many of your revolving accounts are store cards? 3

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 7

How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) None

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 26 years, but I'm moving out of state in 2 weeks. That's when I'll be applying for a car loan. So I guess it will then be "0 months"

Do you Rent or have a Mortgage, or Live w/Relative or Other? No

Your Monthly Rent or Mortgage payment? None

How long have you held your current job? Just starting.

Your total provable monthly gross income is? $6250

Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Offer letter and the pay stub for my signing bonus. Will have another paystub 2 weeks after working.

Is there additional monthly income? What amount monthly? None

Describe the source. None

Is the additional monthly income provable? N/A

Spousal income is not applicable. I'm single.

 

YOUR DOWNPAYMENT

 

Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $5000

 

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

Does any credit repository contain any Collection Account(s)? No

If yes, please very briefly describe.

 

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

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

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9

 

New or Used vehicle you are considering: 2009 Volkswagen GTI

[MarvBear]

Hopefully you will qualify under the captive mfg college grad program or 1st time buyer program.

[bogfrog]

Hopefully you will qualify under the captive mfg college grad program or 1st time buyer program.

 

Do you know if an offer letter is usually enough for proving income? (It worked fine for leasing an apartment.)

 

I start the job 10 days after I move, and ideally I'd like to get my car by then.

[bogfrog]

I have no idea why I put my age as 35 up there! I'm 30!

[MarvBear]

Your official Job Offer Letter should be sufficient if approved.