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App for Marv

The last post in this topic was posted 1206 days ago. 

 

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Credit Application:

Your Age? 47

Your Equifax Credit Score (NG2)? 875
Your Experian Credit Score (fico 8)? 842
Your TransUnion Credit Score (VantageScore 3.0)? 805

Dealership pulled Transunion and told me my credit score was 875.. Not sure if it's FICO Auto or some other scoring model.

 

How many years have you been on file with Equifax? 15
How many years have you been on file with Experian? 25
How many years have you been on file with TransUnion? 25

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? No but I just paid it off over this weekend, so it's not reporting as paid yet. number below are based on if it was still active.
Will this open auto loan be a trade-in? N/A - no trade-in
How many late pays within the last 12 months on the currently open loan? N/A - 0
How many late pays within the last 13-24 months on the currently open loan? N/A - 0
Your current open auto loan is financed with? N/A (SUNTRUST)
Your current open auto loan payment is? N/A - ($500)
Estimated amount you may be upside down in this vehicle? N/A - ($0)
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A (10)


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 4 open
Total percentage utilized overall? Under 10% (always PIF)
How many of your revolving accounts are store cards? 1
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? 13 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? 1750 (also have a $350/month boat payment)
How long have you held your current job? 14 years - The worknumber will give either 14 or 24 years.. depends on which ID I give.. I've been with the parent company for 24 years..
Your total provable monthly gross income is? 8333
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Pay stub
Is there additional monthly income? What amount monthly? N/A but get an annual bonus of 10% Have gotten for the last 5 years ... I don't want to include this because it's my play money...
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.) Lets say $10K in cash... If I can get away with less, even better!
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) 10
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 10

New or Used vehicle you are considering: Please very briefly describe.

New 2017 BMW 230xi Convertible.. MSRP: 51K... Purchase $45000 + TTL

Edited by crabu2

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Thanks... Got any idea what the max I can borrow? I'm thinking about going with a M240xi Convertible which would be about 6K more.

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Should be ok. Most analysts have authority up to 50k. Beyond that and it takes a higher set of eyes.

 

Sent from my SM-N910V using Tapatalk

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