Credit Ap :)

[biostockman]

Credit Application:

 

Your Age? 31

 

Your Equifax Credit Score? 640

Your Experian Credit Score? not sure

Your TransUnion Credit Score? 658

 

How many years have you been on file with Equifax? 8 year

How many years have you been on file with Experian? 8 year

How many years have you been on file with TransUnion? 8 years

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? I have both a Lease and Loan. Loan will be paid off this month

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

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? 1). BMW Financial (Lease) and 2). Chrysler Financial (Loan)

Your current open auto loan payment is? $545 (Loan) $583 (Lease)

Estimated amount you may be upside down in this vehicle? NA

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

 

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 7

Total percentage utilized overall? 15%

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) 5

How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 2

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 8 years

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

Your Monthly Rent or Mortgage payment? $480

How long have you held your current job? 2.5 Years

Your total provable monthly gross income is? $7000

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

Is there additional monthly income? What amount monthly? No

 

Is the additional monthly income provable? NA

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.) $0

Does any credit repository contain any Public Record? Yes

If yes, please very briefly describe.

Judgment close to 7 year mark.

 

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

If yes, please very briefly describe. 2 paid collection accounts from '04

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9

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) 8

 

New or Used vehicle you are considering: Please very briefly describe. Used BMW 530xi ($35k) or Used Lexus G350 ($35k)

[MarvBear]

Your Experian Credit Score? not sure

 

SWAG it.

[biostockman]

Your Experian Credit Score? not sure

 

SWAG it.

648

 

Thanks Marv!

[MarvBear]

swag approval.

[biostockman]

swag approval.

Much appreciated! Thanks for your time!!