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About gabaglady

  • Birthday 05/24/1968

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    Singing, shopping, reading and spending time with my family.
  1. This application is for my cousin who is thinks her only option is a Buy Here Pay Here car lot. Do you think she can get a loan if she goes to a reputable dealership? If not, what do you suggest? She needs a car asap. Thanks for your advice. Credit Application: Her Age? 37 Equifax Credit Score? 610 Experian Credit Score? ? TransUnion Credit Score? ? How many years have you been on file with Equifax? At least 7-8 years not sure. How many years have you been on file with Experian? not sure How many years have you been on file with TransUnion? not sure YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO - Never had a car loan before. Will this open auto loan be a trade-in? NO 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 N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 3 Total percentage utilized overall? 60% 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) 2 YOUR PERSONAL INFORMATION How long at your current residence? 37 years Do you Rent or have a Mortgage, or Live w/Relative or Other? w/relative Your Monthly Rent or Mortgage payment? N/A How long have you held your current job? 1 year 5 months Your total provable monthly gross income is? 1475.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub Is there additional monthly income? What amount monthly? n/a Describe the source. Is the additional monthly income provable? N/A Spousal income is not applicable. N/A YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1200.00 Does any credit repository contain any Public Record? Yes If yes, please very briefly describe. Chapter 7 BK Discharged 11/06 Does any credit repository contain any Collection Account(s)? Not sure If yes, please very briefly describe. Please rate your overall creditworthiness on a scale of 1-10 3 Please rate your Installment credit history on a scale of 1-10 3 Please rate your Revolving credit history on a scale of 1-10 3 New or Used vehicle you are considering: Used- inexpensive car.
  2. Maybe my wording wasn't correct but I know what I was told by USAA Mortgage Department. Below is excerpt of an email I received from my loan processor. Your loan will be serviced by our alliance partner that was carefully selected by USAA based upon their reputation, high service standards, and business expertise. Although they will service your loan, USAA will continue to monitor the level of service provided to you for the life of the loan. Our alliance partner is GMAC and that is where you will send your monthly mortgage payments. Please call USAA if you have any problems with the servicing of your loan.
  3. No they do not service their loans. I'm going through the refiancing process with them now & I was told that they use GMAC or PHH. I was told that they will always own the loan but they don't have the resources to service the loan so they use these companies. I was told if I ever have a problem to call USAA.
  4. DH & I have credit cards w/Patelco but just refinanced both vehicles w/USAA & was approved to refinance mortgage also. I've been very impressed w/the outstanding customer service I've received on every phone call. With that being said my vote is for USAA!
  5. Congratulations on your approvals!
  6. Dell also does financing. As stated before the interest rate is high. Also you may want to try Ebay & apply for Pay Pal Buyer Credit.
  7. I called to check the status of my application & was told that there are several applications in front of mine but I just applied Saturday 2/25/06.
  8. If approved: Who? HDMC How many reporting on DnB/Experian Biz? ?/5 Paydex - if available? ?/? Credit limit? $ 2000 PG? No Terms? Revolving Provide them additional information/financials? no Application? (online/in store/phone)? online I applied last night & called to check status today & was asked several questions. Was placed on hold & credit rep said he had to verify business with the State Secretary but everything looked good. Then he advised me I was approved for the requested amt of $2000. He said I should receive cards in 7-10 days.
  9. Breeze, I've been a member for over a year and I'm still a Newbie. Help. Thanks.
  10. You can work at re-establishing your personal credit and establishing new business credit @ the same time.

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