App for Marv (puhlease good sir)

[clutchmastercory]

THanks MARV! be honest and brutal if need be haha

 

 

 

Your Age? 26

 

Your Equifax Credit Score? 617

Your Experian Credit Score? 635

Your TransUnion Credit Score? 631

 

How many years have you been on file with Equifax? 4

How many years have you been on file with Experian? 4

How many years have you been on file with TransUnion? 4

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? Never had one

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? N/A

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

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) N/A

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 3

Total percentage utilized overall? 2-3%

How many of your revolving accounts are store cards? 0

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3

How many of your revolving accounts are known subprime credit cards?

 

1 CITI 1500 (4 YEARS OLD)

1 HSBC 500 (8mo old)

1 FIRST PREM 500 (3 mo old)

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 3mo

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

Your Monthly Rent or Mortgage payment? $705

How long have you held your current job? 1 year but constantly employed for 4

Your total provable monthly gross income is? $4600

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

Is there additional monthly income? What amount monthly? N/A

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.) $3000 w/ additional $5500 trade in

Does any credit repository contain any Public Record? no

 

 

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

If yes, please very briefly describe.

EQUIFAX

1 medical paid

1 medical unpaid (600) in dv process now

1 other paid

TU

1 medical paid

1 medical unpaid (600) in dv process now

1 other paid

EXP

1 medical paid

1 other paid

 

 

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

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) none

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) short on 2 cards but no lates on any cards

 

New or Used vehicle you are considering: Please very briefly describe. Top price of 20k new or used............4 door suv (gr cherokee, nissan murano, inf fx35 is top choice used)

[MarvBear]

I believe you would be approvable with such a large downpayment.

[clutchmastercory]

Marv can I get you to take a second look at this:

 

 

Probably looking at trying next week

 

Your Age? 26

 

Your Equifax Credit Score? 661 (1 unpaid 4yo med, 1 paid 3yo ca)

Your Experian Credit Score? 721 fako (1 ca 3+yo)

Your TransUnion Credit Score? idk (1 ca 3+yo)

 

How many years have you been on file with Equifax? 4

How many years have you been on file with Experian? 4

How many years have you been on file with TransUnion? 4

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? Never had one

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? N/A

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

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) N/A

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 3

Total percentage utilized overall? 1%

How many of your revolving accounts are store cards? 0

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1

How many of your revolving accounts are known subprime credit cards? 2

 

1 CITI 1000 (4 YEARS OLD) Got Cld'd

1 HSBC 500 (8mo old)

1 FIRST PREM 500 (3 mo old)

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 6mo

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

Your Monthly Rent or Mortgage payment? $705

How long have you held your current job? 1 year but constantly employed for 4

Your total provable monthly gross income is? $4600

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

Is there additional monthly income? What amount monthly? N/A

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.) $2000 w/ additional $5500 trade in

Does any credit repository contain any Public Record? no

 

 

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

If yes, please very briefly describe.

EQUIFAX

1 medical unpaid (430)

1 other paid (3yo)

TU

1 other paid (3yo)

EXP

1 other paid (3yo)

 

 

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

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) none

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) short on 2 cards but no lates on any cards

 

New or Used vehicle you are considering: Please very briefly describe. Top price of 15k, looking at used bmw, infiniti, etc

[MarvBear]

Less of a cash downpayment will lessen your chances.

 

I would still tend to predict an approval.