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  1. APPROVING BANK: Cap1 BUREAU PULLED: EX, TU CREDIT SCORE: 672, 665 CUSTOMER STATE OF RESIDENCE: CA NEW/USED: USED YEAR OF VEHICLE: 2007 MILEAGE: 55,100 RETAIL/LEASE: Retail AMOUNT OF LOAN:11,000 TERM CONTRACTED: 48 months APR/LEASE RATE: 8.02 MONTHLY PAYMENT: 265 MISCELLANEOUS COMMENTARY: The total was 15.6k but I put down 4.6k. I was approved VIA Cap1's blank check program @ 12-13% but the dealership was able to get me a better rate.
  2. Maybe the Mayans were right about the world ending in 2012... DUN DUN DUN!
  3. My thoughts exactly. I called last night to refuse the offer. Thanks for the help guys. I think I need to step away from CB for a while and go KONA. I need to let the baddies fall off and let my good account mature.
  4. Great, thanks for the advice. I'll call tomorrow.
  5. I agree with the INQ part but it's hard for me to justify paying 72 dollars in hopes of establishing a relationship with Merrick. I have all the credit I need right now. Lol, I should have never replied to the letter but oh well.
  6. In a moment of weakness, I responded to a pre-approval letter from Merrick Bank. I was given the 7-10 message but after calling in, I learned I was approved. The card has a CL of 600 with the opportunity to grow to 1200 after 7 months. My only hesistation is the 72 AF. I currently have a secured USAA card for 1000, a Cap1 Secured for 500, a Cap1 Rewards for 500 and I'm an AU on an Amex Zync. I do not have any balances and I use the Zync to cover my daily expenses. What would you do?
  7. Damn, what a PITA. I'm not sure if it's worth it at this point. I might just go KONA and save 50 bucks a month.
  8. It looks like I got chopped on the 17th as well. Does that mean I have to get my 85 softs in before the 17th of Feb in hopes of removing a hard?
  9. Anyone notice softs from HSBC after using their pre-selector? Should I count those?
  10. They offer two different versions. The first allows you to pull twice a month and the other options allows you a daily pull. I think the daily pull version is 21.95ish?
  11. Should I have any issues using USAA, Equifax Complete and AMEX credit secure? I'm hoping to get some B* after 30ish days?
  12. Besides the income verification, do you see me having a hard time getting financed? I realize I'll have a higher interest and as of right now I'm OK with that.
  13. Yes and no? My yearly income on paper is xxxxxxxxxx gross xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
  14. Your Age: 28 Your Equifax Credit Score: 607 Your Experian Credit Score: 610 Your TransUnion Credit Score: 597 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? NA 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) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 3 Total percentage utilized overall? 0 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) 3 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? 3.5 years 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? 5 years Your total provable monthly gross income is? 4000 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements)Bank Statements Is there additional monthly income? What amount monthly? NA Describe the source. 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.) 3000 Does any credit repository contain any Public Record? BK from 2005 If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes, two small collections on each report. If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)5 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)5 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 5 New or Used vehicle you are considering: Please very briefly describe. 2006-2008 Toyota Prius 15k OTD. Thanks again,

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