cleavon15

Well...called Navy Fed yesterday to apply for 40,000. They gave me the option of being instantly approved for 33,685 (strange figure) or trying for the whole 40,000. Loan rep said i would probably be denied if i were to go thru with it. Yes i took the instant decision. APR though is a whopping 10.00%. However i have a stable job and income to help. Thanks Marv for giving me the confidence. Credit score did change to 633 before applying.

Marv...I know you're used to it by now anyway, but thanks so much for your input. Means a lot for you to take your time to respond.

American Honda Finance high/limit $27141

Your Age? 23 Your Equifax Credit Score? 627 Your Experian Credit Score? 643 Your TransUnion Credit Score? 609 How many years have you been on file with Equifax? 5 years, 4 months How many years have you been on file with Experian? 5 years, 10 months How many years have you been on file with TransUnion? 5 years, 10 months 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? None How many late pays within the last 13-24 months on the currently open loan? None Your current open auto loan is financed with? American Honda Finance Your current open auto loan payment is? 398 Estimated amount you may be upside down in this vehicle? 2500 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? 8 Total percentage utilized overall? 38 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) 5 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? 1 year Do you Rent or have a Mortgage, or Live w/Relative or Other? Government Quarters Your Monthly Rent or Mortgage payment? 0 How long have you held your current job? 1 year Your total provable monthly gross income is? 3000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) LES 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.) 1000-3000 (depending on what i can get away with) 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 paid Arrow Financial 9/2007 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) 6 New or Used vehicle you are considering: Please very briefly describe. 2009 Cadillac CTS, $35,000 any additional input would be greatly appreciated. Thanks MARV

mine did as well with disputing. the only thing that changed on the account was past due went for $0 to N/A

USAA is pretty cheap...and once you get their insurance you can get their other products as you are a member then i.e. credit cards and other loans

CONGRATS!!! Mind sharing how old your baddies are? no problem. Cap 1 > Paid Aug 08 First Premier > Sept 07 Bank Of America > Jan 06 Chase > June 07 also just got approved for mastercard however limit is only 500 with same apr. will take it though Ok let me make sure I understand your profile at the time of approval on your visa. Are you saying you had a EQ FICO of 591, 3 unpaid CO, and a paid CO as recent as Aug 08? Then you also applied for the MC and was approved? Am I reading that correctly? Forgive the suprise. However, If so I'd say thats pretty remarkable. my apologies...all of my charge off's are paid. and they only pulled equifax once since applied within minutes of each other.

CONGRATS!!! Mind sharing how old your baddies are? no problem. Cap 1 > Paid Aug 08 First Premier > Sept 07 Bank Of America > Jan 06 Chase > June 07 also just got approved for mastercard however limit is only 500 with same apr. will take it though

FIRST POST I got approved for the nRewards Visa for 1k with 591 eq fico. Took 3 days to approved 17.9 % apr. Mastercard is still pending though. Did the application on monday (12/8) 4 CO and arrow reporting. also over 50% utilization. Hope this helps