App for Marv

[Bigchuck73]

Here's an app for you Marv - appreciate your input! All my monthly bills are less than 1/2 of my take home, including my $585 car payment below.

I have several past dues on credit cards, 2 collection accounts, and my student loan was 60 days past due for 3 months.

 

 

 

Your Equifax Credit Score? 627


Your Experian Credit Score? ?


Your TransUnion Credit Score? ?


How many years have you been on file with Equifax? 20


How many years have you been on file with Experian? 20


How many years have you been on file with TransUnion? 20

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? 0


How many late pays within the last 13-24 months on the currently open loan? 0


Your current open auto loan is financed with? Wells Fargo Dealer Services


Your current open auto loan payment is? 585


Estimated amount you may be upside down in this vehicle? $5,000


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? 4

Total percentage utilized overall? 50


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) 4


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 years


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


Your Monthly Rent or Mortgage payment? 1303


How long have you held your current job? 3 years


Your total provable monthly gross income is? 9,100


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


Is there additional monthly income? What amount monthly? No

YOUR DOWNPAYMENT


Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 2,500

Does any credit repository contain any Public Record? NO


If yes, please very briefly describe.





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

If yes, please very briefly describe.

Medical Collection for $121 from 2007

Verizon Collection from 2011 for $287


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) 7


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.

 

Used Acura TL $28,000

[MarvBear]

For the sake of argument, you can post whatever scores you feel most comfortable posting, or the scores to which you have access. But you must post all three scores for consideration. I will interpret all posted scores in this forum as if they were an Auto Enhanced FICO Version.