Credit App for Marv

[Elitex]

Your Age-29

 

Your Equifax Credit Score 685

Your Experian Credit Score 690

Your TransUnion Credit Score 665

 

How many years have you been on file with Equifax 5

How many years have you been on file with Experian 5

How many years have you been on file with TransUnion 8

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan yes, 2 1 with Infiniti Financial and 1 with Audi Financial

Will this open auto loan be a trade-in- Infiniti will be traded 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- Infiniti and Audi

Your current open auto loan payment is- $662 with infiniti and $786 with Audi

Estimated amount you may be upside down in this vehicle- 0

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- 20

Total percentage utilized overall- 15%

How many of your revolving accounts are store cards-7

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- 2

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

Your Monthly Rent or Mortgage payment- $1330

How long have you held your current job- 6 years

Your total provable monthly gross income is- $10500

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

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.) $5000

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

Does any credit repository contain any Collection Account(s) 1 collection account from 2008, small credit card

If yes, please very briefly describe.

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8

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

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8

 

New or Used vehicle you are considering: Please very briefly describe. 2012 Mercedex Benz C63, $72k + taxes and fees

[MarvBear]

with POI upfront.

[Elitex]

with POI upfront.

 

Thanks Marv, you have been a big help. You have helped me purchase 3 different cars. Thanks a lot.

[MarvBear]

I'm surprised, but thank you very much for the compliment. It's much appreciated.

[Elitex]

Your Age-29

 

Your Equifax Credit Score 685

Your Experian Credit Score 690

Your TransUnion Credit Score 665

 

How many years have you been on file with Equifax 5

How many years have you been on file with Experian 5

How many years have you been on file with TransUnion 8

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan yes, 2 1 with Infiniti Financial and 1 with Audi Financial

Will this open auto loan be a trade-in- Infiniti will be traded 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- Infiniti and Audi

Your current open auto loan payment is- $662 with infiniti and $786 with Audi

Estimated amount you may be upside down in this vehicle- 0

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- 20

Total percentage utilized overall- 15%

How many of your revolving accounts are store cards-7

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- 2

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

Your Monthly Rent or Mortgage payment- $1330

How long have you held your current job- 6 years

Your total provable monthly gross income is- $10500

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

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.) $10,000

Does any credit repository contain any Public Record? No

If yes, please very briefly describe.

 

Does any credit repository contain any Collection Account(s) 1 collection account from 2008, small credit card

If yes, please very briefly describe.

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8

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

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 8

 

New or Used vehicle you are considering: Please very briefly describe. 2012 Land Rover Range Rover HSE, $85k + taxes and fees

 

I changed the vehicle and Down payment. Do you think it'll be problem since my previous highest loan is $42,388 for 1 car and $41,600 for the other?

[MarvBear]

IMO, no, not if you can prove your income.

[Elitex]

IMO, no, not if you can prove your income.

 

Thanks A lot Marv. I ended up going for a BMW 550I, financed $70k, approved for their special financing +1 point. Credit score was 673 TU, if its 675 or more on the day of delivery, I'll get the special financing. Car is on order and will arrive sometime in may, hopefully I'll bring it up by few points. Thanks again.

 

BTW, no income verification needed.

Edited April 2, 2012 by Elitex

[MarvBear]

congrrrrrrrrrrrrrrrrrrrrrrrrrrats