Help - Search - Members - Calendar
Full Version: Credit App for Marv
CreditBoards > Financing > Automotive Financing
Fern278
Your Age? 30

Your Equifax Credit Score? 661
Your Experian Credit Score? 719
Your TransUnion Credit Score? 647

How many years have you been on file with Equifax? 10
How many years have you been on file with Experian? 10
How many years have you been on file with TransUnion? 10

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? NA
Your current open auto loan payment is? NA
Estimated amount you may be upside down in this vehicle? NA
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) NA


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 2
Total percentage utilized overall? 10%
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
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? 4
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? 600
How long have you held your current job? 4
Your total provable monthly gross income is? $4,500
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) pay check stub
Is there additional monthly income? What amount monthly? NA
Describe the source. NA
Is the additional monthly income provable? NA
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.) $2000
Does any credit repository contain any Public Record? No
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)9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9

New or Used vehicle you are considering: Please very briefly describe. I want a new vehicle but it depends on the loan amount i qualify for.
MarvBear
QUOTE
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)9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9


you said the above, which is at odds with the score(s) you posted.

Which is more accurate?
Fern278
QUOTE (MarvBear @ Nov 4 2009, 09:02 PM) *
QUOTE
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)9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9


you said the above, which is at odds with the score(s) you posted.

Which is more accurate?



I've never applied for an auto loan. Are these self ratings really on apps?? If so...I had credit issues when i was younger. I've been on the straight and narrow for the last 6 years but only recently started to repair my credit. I can honestly say that my overall creditworthiness is a 10.

MarvBear
QUOTE (Fern278 @ Nov 4 2009, 09:18 PM) *
QUOTE (MarvBear @ Nov 4 2009, 09:02 PM) *
QUOTE
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)9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9


you said the above, which is at odds with the score(s) you posted.

Which is more accurate?



I've never applied for an auto loan. Are these self ratings really on apps?? If so...I had credit issues when i was younger. I've been on the straight and narrow for the last 6 years but only recently started to repair my credit. I can honestly say that my overall creditworthiness is a 10.



Well if an automotive lender feels as strongly as you do, then you should easily be approved.
Fern278
QUOTE (MarvBear @ Nov 4 2009, 09:49 PM) *
QUOTE (Fern278 @ Nov 4 2009, 09:18 PM) *
QUOTE (MarvBear @ Nov 4 2009, 09:02 PM) *
QUOTE
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)9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9


you said the above, which is at odds with the score(s) you posted.

Which is more accurate?



I've never applied for an auto loan. Are these self ratings really on apps?? If so...I had credit issues when i was younger. I've been on the straight and narrow for the last 6 years but only recently started to repair my credit. I can honestly say that my overall creditworthiness is a 10.



Well if an automotive lender feels as strongly as you do, then you should easily be approved.



Thanks for your expert advice.
This is a "lo-fi" version of our main content. To view the full version with more information, formatting and images, please click here.
Invision Power Board © 2001-2009 Invision Power Services, Inc.