RV App for Marv

[426MW]

Not sure if you can predict one of these or not.

 

Credit Application:


Your Age? 39


Your Equifax Credit Score? 635 Fico

Your Experian Credit Score? 646 Beacon

Your TransUnion Credit Score? 676 Fico


How many years have you been on file with Equifax? 21 yrs

How many years have you been on file with Experian? 21 yrs

How many years have you been on file with TransUnion? 21 yrs


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? n/a

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? 3

Total percentage utilized overall? 10

How many of your revolving accounts are store cards? 1

How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1

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? 4.5 years

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

Your Monthly Rent or Mortgage payment? 0

How long have you held your current job? 6 months but same industry for 10+ years - changed for more $$

Your total provable monthly gross income is? 3300

Your provable monthly gross income is provable via what method? (i.e.
computerized paycheck stub, or tax return) Checks stubs, w-2's, tax
returns

Is there additional monthly income? What amount monthly? Yes, 1800

Describe the source. Wife's income

Is the additional monthly income provable? yes



YOUR DOWN PAYMENT

Please tell me your exact down payment in cash? (rebates and trade
equity are not considered, please input a dollar value only.) 0-1000

Does any credit repository contain any Public Record? yes

If yes, please very briefly describe. Ch 7 BK discharged in 05 - 2 satisfied judgments


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

If yes, please very briefly describe. no open collection accounts - both are paid


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) 7

Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7


New or Used vehicle you are considering: Please very briefly describe. RV from 15-20k

[MarvBear]

 

Is there additional monthly income? What amount monthly?

Describe the source.

Is the additional monthly income provable?

Spousal income is not applicable.

 

 

please redo the application either with your wife, or drop the extraneous information that has no bearing.

[426MW]

Sorry Marv, here is the corrected app.

 

Credit Application:



Your Age? 39



Your Equifax Credit Score? 635 Fico


Your Experian Credit Score? 646 Beacon


Your TransUnion Credit Score? 676 Fico



How many years have you been on file with Equifax? 21 yrs


How many years have you been on file with Experian? 21 yrs


How many years have you been on file with TransUnion? 21 yrs



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? n/a


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? 3


Total percentage utilized overall? 10


How many of your revolving accounts are store cards? 1


How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1


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? 4.5 years


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


Your Monthly Rent or Mortgage payment? 0


How long have you held your current job? 6 months but same industry for 10+ years - changed for more $$


Your total provable monthly gross income is? 3300


Your provable monthly gross income is provable via what method? (i.e.

computerized paycheck stub, or tax return) Checks stubs, w-2's, tax

returns


Is there additional monthly income? What amount monthly? No


Describe the source. NA


Is the additional monthly income provable? NA




YOUR DOWN PAYMENT


Please tell me your exact down payment in cash? (rebates and trade

equity are not considered, please input a dollar value only.) 0-1000


Does any credit repository contain any Public Record? yes


If yes, please very briefly describe. Ch 7 BK discharged in 05 - 2 satisfied judgments



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


If yes, please very briefly describe. no open collection accounts - both are paid



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) 7


Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7



New or Used vehicle you are considering: Please very briefly describe. RV from 15-20k

[MarvBear]

Would consider with proof of free and clear home. (copy of deed) and minimum 10% downpayment.