2 replies to this topic

[bonzo]

Credit Application:

Your Age? 29

Your Equifax Credit Score? 668
Your Experian Credit Score? 605
Your TransUnion Credit Score? 655

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? Yes
Will this open auto loan be a trade-in? Yes
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? Cap 1
Your current open auto loan payment is? 458
Estimated amount you may be upside down in this vehicle? 2000
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? 5
Total percentage utilized overall? 36%
How many of your revolving accounts are store cards? One
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 4
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? 29 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Relative
Your Monthly Rent or Mortgage payment? 0
How long have you held your current job? 4 years
Your total provable monthly gross income is? 5500
Your provable monthly gross income is provable via what method? computerized paycheck stub
Is there additional monthly income? What amount monthly? no
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.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)? Yes... A paid Settlement on a Cap One card and the subsequent collection. 3 Paid off delinquent student loans that were defaulted.

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) 9
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'd like to lease a Ford Escape.

[MarvBear]

Welcome to CreditBoards! We hope that you find what you're looking for here.

Some helpful tips:

• Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free
  to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
• If you haven't yet, take a peek at out Newbies Section.
  Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
• If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
• Off -topic posts should go in the General Forum.

Again, welcome to the CreditBoards family!

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


Come get your new keys!

HAPPY MOTORING

[MarvBear]

I believe a lender would approve you, if not for a lease then a retail installment sales agreement.