Credit Application for Marv

[taylormadein2009]

Your Age? 23

 

Your Equifax Credit Score? 601

Your Experian Credit Score? 569

Your TransUnion Credit Score? 571

 

How many years have you been on file with Equifax? 5.5

How many years have you been on file with Experian? 5.5

How many years have you been on file with TransUnion? 5.5

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? No

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

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

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

Your current open auto loan is financed with? NA

Your current open auto loan payment is? NA

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) NA

 

 

YOUR REVOLVING CREDIT HISTORY

 

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

Total percentage utilized overall? 10%

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 (i.e. Aspire, 1st Premier) 2

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 6 mos.

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

Your Monthly Rent or Mortgage payment? 699

How long have you held your current job? 2

Your total provable monthly gross income is? $3,800

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

Is there additional monthly income? What amount monthly? NA

Describe the source. NA

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.) $1000-$1500

Does any credit repository contain any Public Record? yes

If yes, please very briefly describe. Discharged BKO 08/09 and a satisfied judgement

 

Does any credit repository contain any Collection Account(s)? yes but was discharged in bko

If yes, please very briefly describe.

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)6

 

New or Used vehicle you are considering: Please very briefly describe. I'm looking for a 2008 Dodge Charger, max $17k., less than 45k miles.

[MarvBear]

Ever had a vehicle loan that you paid well and that also reports to a credit file?

[taylormadein2009]

well I did have a car loan before but it was very short in time due me losing my job right after I got it. When I filed for BKO, I returned the car. So I wouldnt even say that I had it 6 mos.

[MarvBear]

Ever had a vehicle loan that you paid well and that also reports to a credit file?

 

 

So the answer, would be no?

[taylormadein2009]

Right. The answer is no.

[MarvBear]

You probably can get approved, but I'd predict you will need more money for downpayment. The amount you propose probably will not cover all the sales tax, tag titlework etc.