Your Age: 30
How long have your been on file with the CRA’s? 12 years

Credit Scores:
Equifax? 580 FAKO
Experian? 581 (Auto Enhanced - got this from dealer)
TransUnion? 644 (Auto Enhanced - got this from dealer however only one revolving account showing up and VW Auto loan not on TU)

Your Credit:
Rate your OVER ALL credit from 5
Rate your installment Credit from 5
Rate your revolving Credit from 5

Public Records? No


Auto Loans:
Do you have an open auto loan? Yes
How many auto loans are presently open? 1 open lease with VW
Are you trading in your open auto loan? No lease
Are there late pays on your CURRENT auto loan? yes one 30 day
If yes, please list the time frame.
Current open auto loan is financed with? VW
Current open auto loan payment? $380
Estimated amount you may be upside down in this vehicle? n/a
Rate this open auto loan from 1-10. 9

Credit Cards:
Total number of revolving accounts: 3
Percent utilization overall: 10%

Your Info:
Total Provable MONTHLY GROSS income: $1900
Provable via computerized paystubs or what method: Paystubs

Your Downpayment in CASH: Would like to put $0 Down
New or Used Vehicle: Used
Please describe desired vehicle: Nissan XTerra


Current auto lease with VW. 38 payments one 30 day late. Loan not showing on TU.

Went to auto dealer today. Only americredit approved with 15% interest....can I find anything better.

Dealer checked Cap One, American General and Americredit

I believe Meadows CU will pull a TU file.

Chartway FCU will pull either a TU or EQ file to the best of my knowledge 50/50



What were the responses from the above(other than AmeriCredit)

The dealer didn't say anything about the other banks. According to the dealer, he was trying to get the lowest payment for me with $0 down although he wanted said the best he could do on a $15,000 car was $425 a month with 15% apr. Does that sound right?

roughtly 15000 x 60 mo @ 15% apr is a 356 payment or thereabouts.