Credit Application:
Your Age? 26
Your Equifax Credit Score? 689
Your Experian Credit Score? 691
Your TransUnion Credit Score? 695
How many years have you been on file with Equifax? 6
How many years have you been on file with Experian? 6
How many years have you been on file with TransUnion? 6
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? na
How many late pays within the last 13-24 months on the currently open loan? na
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? 5
Total percentage utilized overall? 5% now, I PIF every month, will be zero soon
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) 4, 2 are 3 months old, other 2 are 3 years old
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1, will close soon
YOUR PERSONAL INFORMATION
How long at your current residence? 2 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? live with mom to take care of her, own a home, but it's rented and on
tax return last two years as rental income
Your Monthly Rent or Mortgage payment? $1040
How long have you held your current job? 4 years
Your total provable monthly gross income is? 5-12,000 depends, own business
Your provable monthly gross income is provable via what method? bank statements, taxes are lower, incomes grown recently
Is there additional monthly income? What amount monthly? 400, rental income
Describe the source. rental income
Is the additional monthly income provable? yes
Spousal income is not applicable.
YOUR DOWNPAYMENT would just pay cash but don't want to, business earns MUCH more then 7%
Please tell me your exact down payment in cash? will pay whatever. Will use friends dealer license to pay wholesale, buy below loan
Does any credit repository contain any Public Record? no, never late on anything
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? no
If yes, please very briefly describe.
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 10
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 10
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10
New or Used vehicle you are considering: Please very briefly describe.
Want to buy either a 2002-2005 BMW X5 4.8 13-18 k or a 2003-2004 Porsche Cayenne Turbo, about 18-20k
Also want to buy a boat. 20 foot, sport ski, will pay about 10-18k for it.
Do I have enough credit to buy both? If I don't qualify I will just write a check but I want to use cash for investing, business, etc...
Also think this will help get my score up way over 700 in year or so!!??
PS. Thanks by the way
