3 replies to this topic

[holasenora1]

Credit Application:

Your Age? 28

Your Equifax Credit Score? Fico 759
Your Experian Credit Score? Plus 767
Your TransUnion Credit Score? Fico 708

How many years have you been on file with Equifax? 7 years
How many years have you been on file with Experian? 7 Years
How many years have you been on file with TransUnion? 7 Years

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? No (No installment loan ever)
Will this open auto loan be a trade-in?
How many late pays within the last 12 months on the currently open loan?
How many late pays within the last 13-24 months on the currently open loan?
Your current open auto loan is financed with?
Your current open auto loan payment is?
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)


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 3 (Total of $26,800 in available credit)
Total percentage utilized overall? 3%
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) 0

YOUR PERSONAL INFORMATION

How long at your current residence? 3 months (Just moved)
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? 400
How long have you held your current job? 4 years
Your total provable monthly gross income is? 2600
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return)
Is there additional monthly income? What amount monthly? computerized paystub
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? $2000
Does any credit repository contain any Public Record? No
If yes, please very briefly describe.

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

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

New or Used vehicle you are considering: Please very briefly describe. Used 2010 Nissan Rogue ($16,000-$17,000)

[MarvBear]

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[holasenora1]

Thanks Marv! I bit the bullet and went in. I instantly got denied with NMAC. The finance guy then submitted my POI and did a little negotiating for me and I got approved! 0.9% for 60 months. Not bad