Credit App for Marv

[mama4]

Your Age? 50

 

Your Equifax Credit Score? 620 (Fako

Your Experian Credit Score? 575

Your TransUnion Credit Score? 629

 

How many years have you been on file with Equifax ? 16

How many years have you been on file with Experian? 17

How many years have you been on file with TransUnion? 17

 

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

 

Do you have an open auto loan? No

Will this open auto loan be a trade-in? No

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?

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? 17 years

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

Your Monthly Rent or Mortgage payment? 913

How long have you held your current job? 6 years

Your total provable monthly gross income is? 2800

Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Check 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.) $1500

Does any credit repository contain any Public Record? Yes

If yes, please very briefly describe. Paid Judgement from 2010

 

Does any credit repository contain any Collection Account(s)? yes

If yes, please very briefly describe. 2 medical collections

 

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5

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

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

 

New or Used vehicle you are considering: Please very briefly describe 2008 chrysler town and country

[MarvBear]

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

 

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[mama4]

sorry Marv, just noticed I reported my provable GROSS montly income incorrectly......its not 2800....its 3600

[MarvBear]

Is there previous installment history similar to an auto loan? If so, please describe.

[mama4]

Nada...I haven't financed a car in years. Last few cars were bought at auction for cash. Also no open credit cards or revolving accounts, I've lived on cash for years now. I've cleaned my credit so well (lol) that the only things left are my mortgage (paid on time) an old (paid off in 1997) revolving store account, 2 open medical collections (just mailed pay to delete letters), a paid judgement and 2 paid medical collections from last year. I'm truly not sure if I should even try to get an auto loan now or try to open a CC acct first.......

[MarvBear]

Don't try and buy a vehicle just to improve your credit score. Ain't happening. Much easier way to improve scores. Buy a vehicle because you need one.

[donuteric]

Nada...I haven't financed a car in years. Last few cars were bought at auction for cash. Also no open credit cards or revolving accounts, I've lived on cash for years now. I've cleaned my credit so well (lol) that the only things left are my mortgage (paid on time) an old (paid off in 1997) revolving store account, 2 open medical collections (just mailed pay to delete letters), a paid judgement and 2 paid medical collections from last year. I'm truly not sure if I should even try to get an auto loan now or try to open a CC acct first.......

 

Repairing credit involves removing negative accounts and adding positive tradelines. Apply a couple of secured cards and go from there.

[mama4]

I do need a car.....but given my current history I dont know if I'd be approved.

[MarvBear]

is your goal to purchase a vehicle or to simply inprove your credit score?

[mama4]

To get a car. My current one is gonna go any day now. I also am cleaning my credit , because my ultimate goal in a year or so is to refi the house.

[MarvBear]

[mama4]

 

 

Thanks for your time Marv, no go back to hibernation!