Credit app for MarvBear

[ajenks]

Eek - I learned a lot of unfortunate lessons in credit history over the last 1.5 years. Unfortunate, but GOOD for me since I've realized the importance of paying bills on time. But, my car is aging and I've been saving. Curious to see your thoughts.

 

Credit Application:

 

Your Age? 33

 

Your Equifax Credit Score? 629

Your Experian Credit Score? 671

Your TransUnion Credit Score? Not sure

 

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, just PIF Sept 09. (separate auto history loan referenced below)

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

How many late pays within the last 12 months on the currently open loan? 1 (Feb 09)

How many late pays within the last 13-24 months on the currently open loan? 3

Your current open auto loan is financed with? SunTrust

Your current open auto loan payment is? 515

Estimated amount you may be upside down in this vehicle?

Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 6 based on 30 day lates

 

YOUR REVOLVING CREDIT HISTORY

 

Total number of revolving account(s) you have? 2

Total percentage utilized overall? 38%

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) 2

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? 8 years

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

Your Monthly Rent or Mortgage payment? 960

How long have you held your current job? 7 years

Your total provable monthly gross income is? $5171

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

Is there additional monthly income? What amount monthly? NA

Describe the source.

Is the additional monthly income provable?

 

YOUR DOWNPAYMENT

Please tell me your exact down payment in cash? 7500

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

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

If yes, please very briefly describe.

***Here’s the biggie - a charge-off is reporting from a different car loan in Sept 08 with Huntington Nat’l. It is listed as “paid†CO in comments and was PIF the day after they sent the repo guy, but either way it’s affecting my credit negatively. ***

 

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

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

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7

 

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

2010 GMC Acadia SLT

[MarvBear]

predict approval

[ajenks]

Thank you! Fingers crossed. I just paid down my credit cards to zero, so hoping that will pull my score up a tad before we walk into a dealer. I'm nervous, and it sucks to learn about credit the hard way.