7 replies to this topic

[mcumm]

Credit Application:

Your Age? 32

Your Equifax Credit Score? 682
Your ExperianCredit Score? 690
Your TransUnionCredit Score? 667

How many years haveyou been on file with Equifax? 8
How many years haveyou been on file with Experian? 8
How many years haveyou been on file with TransUnion? 8

YOUR PREVIOUSAUTOMOTIVE CREDIT HISTORY

Do you have an openauto loan? NO- Old closed loan paid on time for 17500 from FMC...
Will this open autoloan be a trade-in?
How many late payswithin the last 12 months on the currently open loan? NA
How many late payswithin the last 13-24 months on the currently open loan? NA
Your current openauto loan is financed with? NA
Your current openauto loan payment is? NA
Estimated amountyou may be upside down in this vehicle? NA
Rate your paymenthistory on this open auto loan from 1-10 (1=poor:10=Best) NA


YOUR REVOLVINGCREDIT HISTORY

Total number ofrevolving account(s) you have? 2
Total percentageutilized overall? 20%
How many of yourrevolving accounts are store cards? 0
How many of yourrevolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of yourrevolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0

YOUR PERSONALINFORMATION

How long at yourcurrent residence? 3 years
Do you Rent or havea Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rentor Mortgage payment? $1100
How long have youheld your current job? 1.2 years
Your total provablemonthly gross income is? $ 5625.00
Your provablemonthly gross income is provable via what method? (i.e. computerized paycheckstub, or tax return) Check Stub/ Company Letter
Is there additionalmonthly income? What amount monthly? Company Gas Card??? $250.00
Describe the source.
Is the additionalmonthly income provable? NA
Spousal income isnot applicable.

YOUR DOWNPAYMENT
Please tell me yourexact down payment in cash? (rebates and trade equity are not considered,please input a dollar value only.) $1000
Does any creditrepository contain any Public Record? no
If yes, please verybriefly describe.

Does any creditrepository contain any Collection Account(s)? no
If yes, please verybriefly describe.

Please rate youroverall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8
Please rate yourInstallment credit history on a scale of 1-10 (1=poor, 10=best) 10
Please rate yourRevolving credit history on a scale of 1-10 (1=poor, 10=best) 7

New or Used vehicleyou are considering: Please very briefly describe. USED 2010/11 Acura TL w/25000miles…around $25000.00

[MarvBear]

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[MarvBear]

Does the old FMCC loan still show on any credit file(s)?

[mcumm]

Does the old FMCC loan still show on any credit file(s)?

Yes...all 3. Also, I have two closed collections that were paid off from 2005/6 that will fall off reports in the next year. I am planing on having zero balance on my credit cards when I go for the loan. Hopefully my scores will bump up a few points. I am willing to put down 1K cash but I also want to trade in my car for about 3K. I can pay tax&tag out of pocket. Let me know, and thanks for your help!!!

[MarvBear]

I'm sorry, I didn't mean to intrude on this thread since it was addressed to MervBear. He is my twin brother and get unreasonable irate when I do that.

[mcumm]

I'm sorry, I didn't mean to intrude on this thread since it was addressed to MervBear. He is my twin brother and get unreasonable irate when I do that.

LMAO!!! Sorry Marv, was hoping you would miss that... Can you forgive, or should I re-submit the post to MarvBear?

[MarvBear]

[mcumm]

Thanks Marv, I'll post how it goes.