darthvader

Awesome. So now that I've purchased a new Navigator, our other car has gone dead. Marv- will a second car be as easy to finance as the first? Thanks again.

Hi Marv, Thank you again for the counsel. I bought a 2006 CPO Navigator with Ford Credit for $26,000. I put $3300 down and financed the balance at 4.9%. You called it...!

Sweet- thanks Marv!

Credit Application: Your Age? 31 Your Equifax Credit Score? 580 Your Experian Credit Score? 580 Your TransUnion Credit Score? 580 How many years have you been on file with Equifax? 14 How many years have you been on file with Experian? 13 How many years have you been on file with TransUnion? 13 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? Yes, but will show as PIF by the time I buy (car was totaled and I bought Gap insurance) Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? 1 How many late pays within the last 13-24 months on the currently open loan? 0 Your current open auto loan is financed with? Nuvell Your current open auto loan payment is? 601 Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 8 YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 24 Total percentage utilized overall? 60% How many of your revolving accounts are store cards? Six 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) 3 YOUR PERSONAL INFORMATION How long at your current residence? 3.5 years Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage(s) (x2) Your Monthly Rent or Mortgage payment? $2,350 total monthly How long have you held your current job? 2.5 years Your total provable monthly gross income is? ~11,000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) computerized paycheck stub or tax returns or bank stantements (I have all of them, annual income last year on tax return was $165k) Is there additional monthly income? What amount monthly? No Describe the source. N/A Is the additional monthly income provable? N/A 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.) $1500 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? If yes, please very briefly describe. Yes; 2-3 on each report. Comcast, $79, AFNI $488 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) 5 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 3 New or Used vehicle you are considering: Please very briefly describe. A very sexy Honda Odyssey minivan. Circa 2005-ish