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Beach4me

Credit App for Marv

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Credit Application:

Your Age?
49

Your Equifax Credit Score? 614
Your Experian Credit Score? 612
Your TransUnion Credit Score? 622

How many years have you been on file with Equifax? 18
How many years have you been on file with Experian? 18
How many years have you been on file with TransUnion? 18

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? Yes
Will this open auto loan be a trade-in? no
How many late pays within the last 12 months on the currently open loan? 0
How many late pays within the last 13-24 months on the currently open loan? 0
Your current open auto loan is financed with? Capital One
Your current open auto loan payment is? $384
Estimated amount you may be upside down in this vehicle? $0
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 3
Total percentage utilized overall? 72%
How many of your revolving accounts are store cards? 2
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) None

YOUR PERSONAL INFORMATION

How long at your current residence? 10 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Own
Your Monthly Rent or Mortgage payment? $1450
How long have you held your current job? 5.5 Years
Your total provable monthly gross income is? $7,500 (combined with spouse) $4200 (mine)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return) Pay Stubs
Is there additional monthly income? What amount monthly? No
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.) $2000
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.

3 medical collections - 2013

1 verizon - 2011

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6
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. Used 2013 Ford Escape

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Can you not put your wife on the app? Sometimes it is a little difficult for one person to have two auto loans open.

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The first auto loan is in both of our names. Our credit scores are about the same. We would prefer to have the second loan as a joint account as well.

 

Our second car which was paid for and 10 years old just died without warning. It is too expensive to fix vs the value. So we are scrambling to decide what to do now.

 

I really appreciate the help and advice!

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