Credit Application:

Your Age? 34

Your Equifax Credit Score? 625
Your Experian Credit Score?546
Your TransUnion Credit Score?592

How many years have you been on file with Equifax?13
How many years have you been on file with Experian?12
How many years have you been on file with TransUnion?13

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? Y
Will this open auto loan be a trade-in? Y
How many late pays within the last 12 months on the currently open loan? 0
How many late pays within the last 13-24 months on the currently open loan? 0
Your current open auto loan is financed with? Roadloans
Your current open auto loan payment is? $355
Estimated amount you may be upside down in this vehicle? 0
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? 1
Total percentage utilized overall? 14%
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) 100%
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? 7 months
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? $500
How long have you held your current job? 27 months
Your total provable monthly gross income is? $4200
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) all
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? 1000 - more available if necessary
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. 3 accounts total, all 3 on Experian, 1 shows up on EQ, 1 shows up on TU

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)5 (no lates in the last 12+ months)
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)7 (no lates in the last 12+ months)
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)3 (no lates in the last 12+ months)

New or Used vehicle you are considering: 2008 Mitsubishi Lancer Evolution X, $31,999 new.


Other factors: Current installment loan is only 9 months old. Bought by Roadloans at 12%, limit at $25,000. All 3 CRA scores gone up slightly (~20pts) since Roadloans picked me up last September. Reapplied for credit for another used auto. CapOne approved last year, denied this year. Ditto for Roadloans (said loan was still too new to rate). Wondering if a new auto will be easier to get approved with.

Previous auto loan through GMAC. 7 30-day lates between September 2005 and January 2007. Prior past auto credit history is pristine.

Your app is a little hard to understand.



How can 100% of your cards be major credit cards, and also be store cards?

I'd say your application is incomplete but let's see what Marv has to say.

ttt

Sorry, I just corrected my application. It is not a store card, it is a MC.

Sorry I just corrected my application.

It is *not* a store card, it is a Mastercard.

could be target visa ....technically the app should say store cards and major cards (citi,chase,boa,amex)

approved. Make sure to check the insurance rates on the lancer.