4 replies to this topic

[Orlando-917]

Credit Application:

Your Age? 26

Your Equifax Credit Score? Your Experian Credit Score? Your TransUnion Credit Score? 628-602-620

How many years have you been on file with Equifax? How many years have you been on file with Experian? How many years have you been on file with TransUnion? 9.2 (average acct 5.1)

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? None
How many late pays within the last 13-24 months on the currently open loan? None
Your current open auto loan is financed with? Fiscal Credit Union
Your current open auto loan payment is? 357
Estimated amount you may be upside down in this vehicle? 2600
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? 3
Total percentage utilized overall? 65%
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) 3
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) Orchard might be 1, otherwise 0

YOUR PERSONAL INFORMATION

How long at your current residence?2 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? 950
How long have you held your current job? 5 years
Your total provable monthly gross income is? 4,083
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) paystubs
Is there additional monthly income? No
What amount monthly? No
Describe the source. Is the additional monthly income provable?no
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.) 1500
Does any credit repository contain any Public Record? If yes, please very briefly describe . No

Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe.no

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7
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
New Hyundai Veloster 2012 with options for $23,400
Trading Honda Civic LX 2008, dealer estimated $10,500 for trade (but I owe a little over 13k)

[MarvBear]

[MarvBear]

[Orlando-917]

Thanks Marv!!

[Orlando-917]

Hyundai approved me with 8.9 APR over 72 months. not bad coming from 12.6!!

Dealer is attempting Wells Fargo and TD who he has been observing as "increasingly generous" with their offers these last couple of months.