Your Age:39
How long have your been on file with the CRA’s 21 yrs

Credit Scores:
Equifax 620 recent score
Experian 623 last checked 1 month ago
TransUnion 630 last checked 1 month ago

Your Credit:
Rate your OVER ALL credit from 1-10: 6
Rate your installment Credit from 1-10: 10
Rate your revolving Credit from 1-10: 7
Public Records?

If yes, please describe: BK 08/2002 on EX only.

Auto Loans:
Do you have an open auto loan? yes

How many auto loans are presently open? 1

Are you trading in your open auto loan? yes a 2004 Cavalier

Are there late pays on your CURRENT auto loan? NO

If yes, please list the time frame.
The number of 30 days late in the previous 12 months
The number of 30 days late in the previous 13 to 24 months
The number of 60 days late in the previous 12 months
The number of 60 days late in the previous 13 to 24 months
Current open auto loan is financed with? First Investors
Current open auto loan payment? $353.00
Estimated amount you may be upside down in this vehicle? $1500.00
Rate this open auto loan from 1-10. 5

Credit Cards:
Total number of revolving accounts: 11
Percent utilization overall: 25-35%

Your Info:
Total Provable MONTHLY GROSS income: $1938.00
Provable via computerized paystubs or what method: Paystubs

Your Downpayment in CASH: $0

Rebates not considered; Trade Equity not considered; cash only.
Please use a monetary value. Don't use the typical comments such as "little as possible" etc. I only hear that 4000 times a day. Cut to the chase please.

New or Used Vehicle: New
Please describe desired vehicle: GrandPrix or GrandAm

Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome


2004 Cavalier was bought in April 2004 and never been late to pay.

Why do you rate this loan a 5, if you never have been late?

The payment is kinda high for a Cavalier, but that is when my credit score was worse.

If the current open auto loan is paid as agreed on file, then I suspect you will have no problem being approved for another vehicle loan.

A loan for a new GM car ????

I do not believe a forthcoming approval would necessarily be brand specific.

I did a online app for GMAC. They had my print a GMAC Express Applicaton to take to the dealer. Will pop in wed to see whats up.

They pulled Ex in Ohio. Was hoping for a EQ pull!!! To many HI on EX.