Marv Credit Application

[bentleyrb]

Your Age: 31

How long have your been on file with the CRA’s? 12 years, 3 months

 

Credit Scores:

Equifax? 616

Experian? 659

TransUnion? 634

 

Your Credit:

Rate your OVER ALL credit from 1-10 (10=BEST) 5

Rate your installment Credit from 1-10: 5

Rate your revolving Credit from 1-10: 5

 

Public Records?

If yes, please describe: None on File

 

Auto Loans:

Do you have an open auto loan? No

How many auto loans are presently open? 0

Are you trading in your open auto loan? N/A

Are there late pays on your CURRENT auto loan? N/A

If yes, please list the time frame.

Current open auto loan is financed with?

Current open auto loan payment?

Estimated amount you may be upside down in this vehicle?

Rate this open auto loan from 1-10.

 

Credit Cards:

Total number of revolving accounts: 1

Percent utilization overall: 5%

 

Your Info:

Total Provable MONTHLY GROSS income: $3228

Provable via computerized paystubs or what method: paystub

 

New or Used Vehicle:

Please describe desired vehicle: Used

 

Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome

 

August 04 Received HH Card for $300, 1st in 6 years.

Applied for DCU auto loan/visa declined for insufficent satisfactory credit history and derogatories.

2 Negatives:

Charge Off of $843 (Last Activity June 98)

Charge Off of $2,592 (Last Activity Feb 98)

 

Thanks

[MarvBear]

is there any sort of installment credit reporting on your credit files with similar high credit comparable to an auto loan?

[bentleyrb]

They are old though:

 

$6,202

Minimum Monthy Payment (Terms) $172

Date Opened June, 1994

Date Closed January, 1995

$0 Pays account as agreed

 

$2,446

Minimum Monthy Payment (Terms) $67

36 Monthly

Date Opened October, 1992

Date of Last Activity October, 1994

Date Closed October, 1994

0 days late

 

Thanks

[MarvBear]

how much of a downpayment will you have in cash?

 

in addition will there be a trade in vehicle?

 

 

And what price range are you looking for?

[bentleyrb]

Thanks Marv

 

$1,000 down

No trade

Looking for something between $6,000-$10,000.

[MarvBear]

IMO you should be fine. probably B or C tier credit range.