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bigchips02

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  1. bigchips02

    Auto Loan approval? *hopefully*

    Sorry about that! I just pulled the rest of my scores, so I have some additional info: Credit Application: Your Age? 24 Your Equifax Credit Score? 544 Your Experian Credit Score? 548 Your TransUnion Credit Score? 510 How many years have you been on file with Equifax? 7 How many years have you been on file with Experian? 7 How many years have you been on file with TransUnion? 7 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY No History Do you have an open auto loan? N/A Will this open auto loan be a trade-in? N/A 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? NA Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 2 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) 2 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0 (I don't know if this helps, but in addition to the 2 revolving accounts, I have 2 installment accounts totaling $5,311.00) YOUR PERSONAL INFORMATION How long at your current residence? 5 months Do you Rent or have a Mortgage, or Live w/Relative or Other? rent Your Monthly Rent or Mortgage payment? 505 How long have you held your current job? 1 month (Just got a new job) Your total provable monthly gross income is? $2,080.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Paystubs Is there additional monthly income? What amount monthly? N/A Describe the source. N/A Is the additional monthly income provable? N/A 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.) $3,000.00 Does any credit repository contain any Public Record? No. If yes, please very briefly describe. N/A Does any credit repository contain any Collection Account(s)? Yes If yes, please very briefly describe. Credit Card 1: $1,056.00 Credit Card 2: $2,263.00 Bill 1: $313.00 Bill 2: $92.00 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 4 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) 3 New or Used vehicle you are considering: Please very briefly describe. Something around the neighborhood of $19,000.00
  2. First, things first. I love this forum! I spend all day at work reading different post and each day I learn more and more. Well anyway, I wanted to ask everyone, what is the APR loan limit in Ohio? What about your state?
  3. Your Age? 24 Your Equifax Credit Score? 544 Your Experian Credit Score? ? Your TransUnion Credit Score? ? How many years have you been on file with Equifax? 7 How many years have you been on file with Experian? 7 How many years have you been on file with TransUnion? 7 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? NO Will this open auto loan be a trade-in? How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? 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? 6 Total percentage utilized overall? 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? 5 Months (3+ years rental history, though) Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent Your Monthly Rent or Mortgage payment? $505 How long have you held your current job? 1 month Your total provable monthly gross income is? $2,080.00 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Check stubs Is there additional monthly income? What amount monthly? N/A Describe the source. Is the additional monthly income provable? 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.) $2,000.00 cash Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? Yes. If yes, please very briefly describe. 4 open collection accounts. 2 of them are credit cards that have been charged off, both totalling around $3,300.00 Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 4 Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 8 Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 2 New or Used vehicle you are considering: Please very briefly describe. Used vehicle 2004 BMW 325ci, 40,000 miles, $20,000 or New vehicle 2006 Honda Civic Si, 3 miles, $22,000

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