Credit Application:

Your Age? 26

Your Equifax Credit Score? 565 (truecredit score)
Your Experian Credit Score? 521 (truecredit score)
Your TransUnion Credit Score? 615 (fico)

How many years have you been on file with Equifax? 8
How many years have you been on file with Experian? 8
How many years have you been on file with TransUnion? 8

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? no
Will this open auto loan be a trade-in?
How many late pays within the last 12 months on the currently open loan?
How many late pays within the last 13-24 months on the currently open loan?
Your current open auto loan is financed with?
Your current open auto loan payment is?
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)


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 4
Total percentage utilized overall? 50%
How many of your revolving accounts are store cards? 1
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 3
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? 1 year 2 months
Do you Rent or have a Mortgage, or Live w/Relative or Other? rent
Your Monthly Rent or Mortgage payment? 460
How long have you held your current job? 1 month
Your total provable monthly gross income is? 2000
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) check stub
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.) 0
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe.
1 paid chargeoff CC on equifax
2 verizon chargeoffs,1 only on equifax and its 7 years old
1 chargeoff for an energy bill for $136
1 chargeoff from an old apartment for $254
4 paid medical chargeoffs,my old insurance company didnt pay them on time
1 medical chargeoff for 201

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 6
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. 2002 camaro 12000 original miles,asking 15000

Is there previous installment credit similar to an automotive installment line ever reported to any credit file? If so, please describe.

never had an auto loan,I have an installment loan right now with american general,600 limit thats been paid on time for 3 months

also had a 6 month installment loan with world finance paid on time and in full but had a small limit


would I have better luck trying for a not so expensive car??

You probably would be better off with a qualified co-applicant.

I have no one to cosign


is there anything I can do to help my situation out??

would a downpayment help me out marv?? I might be selling my daily driver truck here soon so I should have 1000 or so to use if it helps me out more

I have no doubt you can get approved on your own. However, with such a limited credit file, I don't think you're going to like the terms an conditions.

You will probably need a larger cash downpayment. You will be faced with a stout payment condition of a percentage of your provable gross monthly income. That in and of itself will limit your choices of automobiles, unless you have the cash to make up the difference.