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tomforr

App for Marv

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Credit Application:

Your Age: 35

Spouse/Co-Applicant 35

Your Equifax Credit Score: 638, Spouse 731
Your Experian Credit Score: 661, Spouse 756

Your TransUnion Credit Score: 653, Spouse 772

How long have you been on file with the CRA?s?
Experian Both are 17 Years
Transunion Both 17 years
Equifax Both 17 Years


Previous Automotive Credit History: Yes

Do you have an open auto loan? Yes, 1 in each of our names (2 total)
Will this loan be a trade-in? Yes
Number of late pays within the last 12 months on the currently open loan? 0
Number of late pays within the last 13-24 months on the currently open loan? 0
Current open auto loan is financed with? One with Infiniti Financial, one lease with Toyota
Current open auto loan payment is? Infiniti $515, Toyota $601
Estimated amount you may be upside down in this vehicle? N/A
Rate your payment history on this open auto loan from 1-10 (10=BEST)
10

Revolving Credit History: 6
Total number of revolving accounts? 5
Total percent utilization overall? 8%

Your Information:
How long at residence? 5 1/2 years
Rent/Homeowner/Live with relative? Own, $1,909 monthly
How long at current job? 1 year me, DW SAHM
Total Provable MONTHLY GROSS INCOME? $10,800 monthly
Provable via computerized paystub or what method? Paystub / tax return

Your Downpayment in CASH: $0
Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT.

Does any credit repository contain any Public Record?
Is so, please describe. Me CH 7 Discharged 3/2018, DW - None

Does any credit repository contain any Collection Account(s)
If so, please describe. None

New or Used Vehicle you are considering; please describe: Certified Nissan Frontier – 11k miles $21,999

Your creditworthiness on a scale of 1-10 with 10 being the best:6

 

Looking to trade in the Toyota lease. Should have $3k-$5k in equity based on wholesale book. Looking to lower monthly payment.

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Just a suggestion, I might change the order of the applicants to let the higher scoring applicant go first. That might result in a better APR. Most manufacturers have special rates for their CPO vehicles.

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Just a suggestion, I might change the order of the applicants to let the higher scoring applicant go first. That might result in a better APR. Most manufacturers have special rates for their CPO vehicles.

Thank you Marv

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