Joker

I recently applied with almost a solid year of payment history on my secured through them and 8 months of solid history with my HSBC card they bought. I was denied for having too many Cap1 accounts and no mortgage account. YMMV. They are also the source of my one PR and charge off so I imagine that hurts my chances too.

Tried to do the form online for a used car loan and got a "can't complete this application- call alliant at...." Strange. Guess I'll call tomorrow.

Is Cap One considered one of those subprimes I assume? The idea of a 15%+ APR isn't quite what I had in mind . I may still try and see what kind of offers I can get. I most likely will just wait till after summer when I will have a higher income to show ( I made about twice as much in the first 3 months of this year as last) and can make a larger down payment as well.

I understand. Just seems that if you're knocking 1500 of the loan it would change things a bit. Suppose it's a no go. Thanks a lot regardless. Suppose I need to pick up a second job. Saves me a lot of time and embarrassment and wasting inquiries.

Thanks again. Anything at all I could do to help my chances? I know we're not counting trade in value but I would have one that would increase my down payment to the 2k range also I got the exact number on my monthly income and it's 1711. Doubt it helps since it's only a small bump.

I know it's a repeat but I'm seriously looking into doing this soon and want to have as much info ready as possible. Credit Application: Your Age? 24 Your Equifax Credit Score? 2/16/12 EQ: 656 Your Experian Credit Score? 1/28/12 EX: 649 Your TransUnion Credit Score?3/2/12 TU Myfico.com: 674 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?4 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? N/A 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? 2 Total percentage utilized overall?: 7% 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) 2 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 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 350 How long have you held your current job? 4 years 8 months Your total provable monthly gross income is?1700 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) W2 and checks if necessary. 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.) 600 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Paid Judgement from 2008 from Cap1 for $500. 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) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Used 2009 Rabbit. 58k miles, asking price is 13k, I'm assuming I could get it down to 12 or 11 quite easily.

I did my reading this morning and saw that limit. The price was right for the kind of payment I wanted but I suppose I can aim for something newer that costs a little more if I have to. Appreciate the help.

Once again I'm a total salamander, if I tried to finace to alliant they would approve the amount but not for that vehicle?

If I use my yearly tax return my monthly income is equal to 2000. I work a seasonal job and make a good 4 grand more but can only prove 1600 based on weekly checks until May. I'm a total newbie and don't know if that matters.

Credit Application: Your Age? 24 Your Equifax Credit Score? 2/16/12 EQ: 656 Your Experian Credit Score? 1/28/12 EX: 649 Your TransUnion Credit Score?3/2/12 TU Myfico.com: 674 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?4 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? N/A 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? 2 Total percentage utilized overall?: 7% 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) 2 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 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? 350 How long have you held your current job? 4 years 8 months Your total provable monthly gross income is?1600 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) computerized Check stubs 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.) 1000 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Paid Judgement from 2008 from Cap1 for $500. 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) 8 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 New or Used vehicle you are considering: Used 2004 Golf. 100k miles for 6k.

No. I've looked into it. I suppose that's my next move, along with ignoring the urge to app.

Bump. TU results came back with "new information" which wasn't anything at all. Judgement stays til 2015.

TU Judgement came back with "new information" which as far as I can tell is nothing at all.

That was another one of my ideas. I'm trying to stray away from it thought since Cap1 pulling 3 INQs really bites.

I got this today as well. It's a joke. $75 dollar initial fee and $99 dollars annually and a huge APR.