Credit App for Marv teh Polar Bear

[monty01]

Credit Application:

 

Your Age: 30

 

Your Equifax Credit Score? 704 (Worst of all 3)

Your Experian Credit Score ?(The middle, better than EQ, guessing around 715-720)

Your TransUnion Credit Score ?(The best of the 3, no derogs)

How many years have you been on file with Equifax: 13 yrs

How many years have you been on file with Experian: 13 yrs

How many years have you been on file with TransUnion: 13 yrs

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

*Had a cosigned auto loan 12 years ago (1997), financed for 19k, paid it off a little early and still drive it to this day.

 

Do you have an open auto loan? No

Will this open auto loan be a trade-in? No, will privately sell current vehicle

How many late pays within the last 12 months on the currently open loan? 0

How many late pays within the last 13-24 months on the currently open loan? 0

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): 10 on the paid off note

 

 

YOUR REVOLVING CREDIT HISTORY

 

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

Total percentage utilized overall? 24%

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 (i.e. Aspire, 1st Premier) 0

 

YOUR PERSONAL INFORMATION

 

How long at your current residence? 3 yrs

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

Your Monthly Rent or Mortgage payment? $1,140

How long have you held your current job? 3 yrs same industry, 5 yrs before different industry

Your total provable monthly gross income is? $6,290

Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Computerized pay stub or W-2

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

Describe the source.

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.) 5k

Does any credit repository contain any Public Record? Yes (Ex & EQ, not TU)

If yes, please very briefly describe.

 

*Medical debt ($787) being reported as public record by CA, although it is not recorded. No lien of any kind can be found at the courthouse. An interesting saga because the bill stemmed from an on-the-job injury in 2002. It's so old, there is no info on the original employer insurance claim.

Does any credit repository contain any Collection Account(s)? Yes, 1 medical account ($90), due to fall off April 2010

If yes, please very briefly describe.

 

*This CA entry is currently being disputed as an error, it was removed from TransUnion and still awaiting EQ removal

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) Outside of the 2 medical issues, 10, i'm not sure how much medical factors into overall creditworthiness but just in case, we could bring this down to 8 to account for those demons.

Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10, all installments have perfect payment record.

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10, never late, perfect payment history on revolving credit.

 

New or Used vehicle you are considering: Please very briefly describe.

 

2009/2010 GMC Sierra Ext. Cab SLE with a few extras. (~30k)

[MarvBear]

good to go.