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Credit Application:
Your Age:29
Your Equifax Credit Score: vantage 666 fico 614
Your Experian Credit Score:vantage 662 fico 610
Your TransUnion Credit Score:vantage 693 fico 623
How long have you been on file with the CRA? 9 years
Previous Automotive Credit History:Paid off 2 auto loans
Do you have an open auto loan? Yes
Will this loan be a trade-in? Yes
Number of late pays within the last 12 months on the currently open loan? None
Number of late pays within the last 13-24 months on the currently open loan? None
Current open auto loan is financed with? First National Bank
Current open auto loan payment is? $467
Estimated amount you may be upside down in this vehicle? +/-1000
Rate your payment history on this open auto loan from 1-10 (10=BEST) 10
I have read and understand the original pinned "No Credit Check Required" topic.Revolving Credit History:Total number of revolving accounts? Yes
Your Information:How long at residence? 3 years Rent/Homeowner/Live with relative? Yes
How long at current job? 10 years
Provable via computerized paystub or what method? Yes
Your Downpayment in CASH:Rebates not considered; Trade Equity not considered: CASH ONLY PLEASE INPUT.
Up to 3000
Does any credit repository contain any Public Record?Is so, please describe. No
Does any credit repository contain any Collection Account(s)If so, please describe. No
New or Used Vehicle you are considering; 2022 kia carnival 395xx-437xx msrp
please describe:Your creditworthiness on a scale of 1-10 with 10 being the best: 7
OVERALL credit:
Installment Credit History: paid off 2 auto loans
Revolving Credit History: 5 cards 3k limit, 25% utilization
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7 hours ago, Serfino said:

Appreciate the time.  I'm worried as I realized my scores from experian were considerably lower than what I've been tracking on identiq.


With very rare exceptions your Vantage Scores are completely worthless, and relying on them often leads to profound disappointment when people see their FICO scores.  


And sure, sometimes there's excitement. 


But who wants surprises? 


You might as well guess at your scores.  :)  

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