makeshift213

thnx for all the input guys/gals i am a college student working as many hours and still taking 18+ credits is not easy. i went away from leasing a car, and more so looking @ scooters. now marv, you can't knock me on dat rite?

marv, would a phone bill count as an installment loan? also, i have purchased a motorcycle before that i have paid for in full (6 months after purchase)

what do i need to work on? other than getting older. my credit worthiness is at a low risk, but i am also a college student.

marv, i forgot about my recent b-day, and is there anyway to avoid the co-signer?

Credit Application: Your Age? 21 Your Equifax Credit Score? 744 Your Experian Credit Score? 735 Your TransUnion Credit Score? 744 How many years have you been on file with Equifax? 2yrs 7months How many years have you been on file with Experian? 2yrs 7months How many years have you been on file with TransUnion? 2yrs 7months YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No Will this open auto loan be a trade-in? No 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? 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? 4 (5 report says five) Total percentage utilized overall? 17.92% How many of your revolving accounts are store cards? None 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) None YOUR PERSONAL INFORMATION How long at your current residence? 5 months Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage Your Monthly Rent or Mortgage payment? 1200 (450 is mine) How long have you held your current job? 2yrs 9months Your total provable monthly gross income is? $1200 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Paystub Is there additional monthly income? What amount monthly? None 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.) N/A Does any credit repository contain any Public Record? None If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)? None If yes, please very briefly describe. N/A Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 9 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) 9 New or Used vehicle you are considering: Please very briefly describe. Was looking to first maybe lease a vehicle until I had finished college and found a steady job. Was looking at the lease option for the Honda Accord, $2199 down + tax, title, license, and fees $199month/36 months. Didn't really want a Civic, more interested in knowing what would I qualify for.