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3 replies to this topic

#1 RockCreak

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Posted 31 January 2012 - 06:57 PM

Credit Application:

Your Age? 36

Your Equifax Credit Score? 518
Your Experian Credit Score? 521
Your TransUnion Credit Score?not sure
How many years have you been on file with Equifax? 15
How many years have you been on file with Experian?15
How many years have you been on file with TransUnion?14

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? nope (IIB)
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? 0
Total percentage utilized overall?
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) 0
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? 2 months (prior to that 1 year - same apt complex different unit)
Do you Rent or have a Mortgage, or Live w/Relative or Other? live with relative
Your Monthly Rent or Mortgage payment? $250.00
How long have you held your current job? 3 yrs 2 months
Your total provable monthly gross income is? approx $3700.00
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) paystubs
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
Does any credit repository contain any Public Record? 2
If yes, please very briefly describe. 1 is a bk and the other is another PR which was IIB

Does any credit repository contain any Collection Account(s)?
If yes, please very briefly describe.

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) not sure
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)

New or Used vehicle you are considering: Please very briefly describe. 2006 cadillac SRX $15900.00 approx 74k miles

FYI - bk d/c 02/12



#2 MarvBear

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Posted 31 January 2012 - 06:57 PM

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#3 MarvBear

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Posted 31 January 2012 - 07:15 PM

I would decline the loan based on unsuitable collateral.

and

suggest a 2-3 year old vehicle with less than 60K miles.

#4 RockCreak

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Posted 06 February 2012 - 04:19 PM

Thanks! Will work on it!







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