Credit Application:

Your Age? 18

Your Equifax Credit Score? 640
Your Experian Credit Score? 360
Your TransUnion Credit Score? 521

How many years have you been on file with Equifax? 4 Years (I was an Identity Theft Victim, my credit file was created before I turned 18)
How many years have you been on file with Experian? 4 Years (I was an Identity Theft Victim, my credit file was created before I turned 18)
How many years have you been on file with TransUnion? 4 Years (I was an Identity Theft Victim, my credit file was created before I turned 18)

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? No
Will this open auto loan be a trade-in? N/A
How many late pays within the last 12 months on the currently open loan? N/A
How many late pays within the last 13-24 months on the currently open loan? N/A
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? 2 (with 3 American Express Accounts/Closed Positive but are not mine (ID Theft)
Total percentage utilized overall? 13%
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) 2 (with 3 American Express Accounts/See above
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? 18 Years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Live w/Relatives
Your Monthly Rent or Mortgage payment? N/A
How long have you held your current job? 3 Years
Your total provable monthly gross income is? $1260.88 (630.44 every two weeks, only changes with overtime Wal-Mart Customer Service Associate)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Computerized Paystub
Is there additional monthly income? What amount monthly? N/A
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? $1000.00
Does any credit repository contain any Public Record? N/A
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)? Yes
If yes, please very briefly describe. 21 Collections on Experian (ID Theft provable with Police Report) 0 On Equifax 10 on Transunion.

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10 if you go by my accounts and not the ID Theft ones.
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) N/A
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10 if you go by my accounts and not the ID Theft ones.

On behalf of CreditBoards Admin, MarvBear would like to extend a sincere and warm welcome to the Automotive Forum.

We have an Automotive FAQ (Frequently Asked Questions) section that should prove to be very helpful in your automotive knowledge quest.

In the Reading and Resource Section of this forum, which is a read only forum, you can look up information regarding Sales Tax by State, Lemon Laws by State, along with a number of industry specific topics very relevant from the dealership's perspective.

In the main section of this forum, there are two pinned topics both of which are read only topics. The first concerns Bank and Credit Union rates and tiers. You might find this useful in predicting an interest rate on your next vehicle purchase. The second is a general purpose credit application that you can use to get an idea if you might qualify for an automotive product loan based on an insider's perspective of the information you provide.

You, as a consumer, have a unique advantage to "pick my brain"as I have been in the Automotive Industry since 1972. I will endeavor my utmost to give you up to the minute information and explain any insider workings you may question.

Due to time constraints on my part, I may not always be available to answer your question right away. Don't be discouraged, this is a very busy board. If some extended time goes by without a reply, feel free to reply to your own post by typing the word *bump*. This will *bump* your post back up to the top of the forum where it is more easily seen.

We make every effort to maintain a warm and friendly, and particularly non-judgmental attitude here on CreditBoards. If you find someone is discourteous to you, use the REPORT button located at the bottom of every post-that will ensure that either I or another moderator or Admin looks at the post and decides if it is against our TOS.

Off-topic posts should go in the General Forum. And if you are a credit newbie, take a glance at our Newbies Section.


Come get your new keys!

HAPPY MOTORING

CB Admin: LKH, Pam, radi8, breeze
CB Mods: CargoJon, Chris in CA, cotterpin, CramItCCCAs, Cristy, fla-tan, hardpull, MarvBear, pryan67, psp, stealthmidget, Stryker, yourguide, ZeRo_C0oL
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First of all, you need to remedy the ID THEFT tradelines on your credit file. They can be blocked from your file with a copy fo the police report concerning the item sent to the repository on which it is reporting.

I would decline your application now.

I haven't heard of a block before. How would I do this? Just send a letter to the CRA's with the police report?

You might find it of benefit to ask questions in the main credit forum regarding identy theft issues. The recent enactments of the FACTA give consumers the right to have items blocked from your credit file that are a result of identity theft. That would probably enhance your chances for an approval, once they were off your file.