2 replies to this topic

[badkarma16]

Credit Application:

Your Age? 40

Your Equifax Credit Score? 697
Your Experian Credit Score? 674
Your TransUnion Credit Score? 687

How many years have you been on file with Equifax?
How many years have you been on file with Experian? 7.9
How many years have you been on file with TransUnion?

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? no
Will this open auto loan be a trade-in?
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? 0
Your current open auto loan payment is? 0
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) 10


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 14
Total percentage utilized overall? 37
How many of your revolving accounts are store cards? 1
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 13
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 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? relative
Your Monthly Rent or Mortgage payment? I have both. I pay $500 month where I curently reside and I pay 1054 for mortgage (which is rental property)
How long have you held your current job? 9ys
Your total provable monthly gross income is? 4700
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) pay check
Is there additional monthly income? What amount monthly? 1300
Describe the source. rental Property
Is the additional monthly income provable? Yes
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.) 25,000
Does any credit repository contain any Public Record? Yes
If yes, please very briefly describe. Chapter 7 bankruptcy in 2007

Does any credit repository contain any Collection Account(s)? 2
If yes, please very briefly describe. Accounts were included in bk

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) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 9

New or Used vehicle you are considering: Please very briefly describe.Looking to finance a 2012 Infiniti G37 out the door price is 54,337

[MarvBear]

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CB Admin: LKH, Pam, radi8, breeze
CB Mods: CargoJon, Chris in OK, cotterpin, CramItCCCAs, Fallon, MarvBear, mpc578, pryan67, psp, Stryker, TrevorHere
Forum Leads: brazen, Brian B The Loan Professor, cedski, DallasLoanGuy, hoapres, ICANHASMUNY?, Lighthouse84, Linx04, Neen, TeeSharice

[MarvBear]

If you can properly complete a credit application then I believe you should be approved.