Elitex

Thanks A lot Marv. I ended up going for a BMW 550I, financed $70k, approved for their special financing +1 point. Credit score was 673 TU, if its 675 or more on the day of delivery, I'll get the special financing. Car is on order and will arrive sometime in may, hopefully I'll bring it up by few points. Thanks again. BTW, no income verification needed.

Your Age-29 Your Equifax Credit Score 685 Your Experian Credit Score 690 Your TransUnion Credit Score 665 How many years have you been on file with Equifax 5 How many years have you been on file with Experian 5 How many years have you been on file with TransUnion 8 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan yes, 2 1 with Infiniti Financial and 1 with Audi Financial Will this open auto loan be a trade-in- Infiniti will be traded in 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- Infiniti and Audi Your current open auto loan payment is- $662 with infiniti and $786 with Audi Estimated amount you may be upside down in this vehicle- 0 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- 20 Total percentage utilized overall- 15% How many of your revolving accounts are store cards-7 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 13 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- 2 Do you Rent or have a Mortgage, or Live w/Relative or Other- Rent Your Monthly Rent or Mortgage payment- $1330 How long have you held your current job- 6 years Your total provable monthly gross income is- $10500 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Computerized check Is there additional monthly income? What amount monthly? No 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? (rebates and trade equity are not considered, please input a dollar value only.) $10,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s) 1 collection account from 2008, small credit card If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 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) 8 New or Used vehicle you are considering: Please very briefly describe. 2012 Land Rover Range Rover HSE, $85k + taxes and fees I changed the vehicle and Down payment. Do you think it'll be problem since my previous highest loan is $42,388 for 1 car and $41,600 for the other?

Thanks Marv, you have been a big help. You have helped me purchase 3 different cars. Thanks a lot.

Your Age-29 Your Equifax Credit Score 685 Your Experian Credit Score 690 Your TransUnion Credit Score 665 How many years have you been on file with Equifax 5 How many years have you been on file with Experian 5 How many years have you been on file with TransUnion 8 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan yes, 2 1 with Infiniti Financial and 1 with Audi Financial Will this open auto loan be a trade-in- Infiniti will be traded in 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- Infiniti and Audi Your current open auto loan payment is- $662 with infiniti and $786 with Audi Estimated amount you may be upside down in this vehicle- 0 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- 20 Total percentage utilized overall- 15% How many of your revolving accounts are store cards-7 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 13 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- 2 Do you Rent or have a Mortgage, or Live w/Relative or Other- Rent Your Monthly Rent or Mortgage payment- $1330 How long have you held your current job- 6 years Your total provable monthly gross income is- $10500 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Computerized check Is there additional monthly income? What amount monthly? No 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? (rebates and trade equity are not considered, please input a dollar value only.) $5000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s) 1 collection account from 2008, small credit card If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 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) 8 New or Used vehicle you are considering: Please very briefly describe. 2012 Mercedex Benz C63, $72k + taxes and fees

Thanks a lot Marv.

Forgot to add that the Infiniti will be traded in, so I'll keep the $315 payment plus the new loan.

Your Age- 29 Your Equifax Credit Score- 680 Your Experian Credit Score- 675 Your TransUnion Credit Score- 685 How many years have you been on file with Equifax-4.5 years How many years have you been on file with Experian- 4 years How many years have you been on file with TransUnion- 9 years YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan- yes 2 open loans Will this open auto loan be a trade-in- 1 will be traded 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- 1 with Infiniti financial, 2nd one is with bank of America. Your current open auto loan payment is- $662 for the 1st one, $315 for the second one. Estimated amount you may be upside down in this vehicle- 0 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- 12 Total percentage utilized overall- 10% How many of your revolving accounts are store cards- 7 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa)- 5 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- 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other- rent Your Monthly Rent or Mortgage payment- $1250 How long have you held your current job- 6 years Your total provable monthly gross income is- $10,400 per month Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements)- stub Is there additional monthly income? What amount monthly- 0 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? (rebates and trade equity are not considered, please input a dollar value only.) $10,000 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s) 1 If yes, please very briefly describe. $500 credit card 4 years ago. 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) 10 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. New Land Rover Range Rover $83k

Thanks Marv.

Credit Application: Your Age 29 Your Equifax Credit Score 660 Your Experian Credit Score 660 Your TransUnion Credit Score 660 How many years have you been on file with Equifax 4 How many years have you been on file with Experian 4 How many years have you been on file with TransUnion 7 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 Infiniti financial Your current open auto loan payment is $662 Estimated amount you may be upside down in this vehicle 0 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 10 Total percentage utilized overall 10% How many of your revolving accounts are store cards 6 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 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other- rent Your Monthly Rent or Mortgage payment- $1250 How long have you held your current job- 5 years Your total provable monthly gross income is- $10,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Is there additional monthly income? What amount monthly- no 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? $15,000 Does any credit repository contain any Public Record? If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)1 account, 4 years old If yes, please very briefly describe- hsbc card, not paid Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 8 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)7 New or Used vehicle you are considering: Please very briefly describe. 2011 range rover sport, $65,000.

its a G37 sedan w/nav, premium, and sport. Total financed was 42,300 including negative equity.

Thanks to marv and everyone else for all your advice. I have been able to bring my credit up from 585 EQ to 648. Just 14 months ago i bought a car at 28% interest rate just because i didnt have any other choice. Yesterday I got approved for a new infiniti at 3.9% APR!!! My credit history is about 3.5 yrs and AAOA is about 6 months. I have opened alot of accounts recently. FI manager said that my auto enhanced was 622 equifax, and they were still able to get me 3.9. I only have one negative from 3 yrs ago, about 10 accounts that were all positive.

ok, thanks alot....

Is it because of my income or credit history?

17 months....

$18000