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#1 MarvBear


    Velvet Hammer

  • Admin
  • 51,838 posts

Posted 12 August 2006 - 12:00 PM

Please do not post your name or your social security number or any other personally identifying information.

For the sake of argument, you can post whatever scores you feel most comfortable posting, or the scores to which you have access. But you must post all three scores for consideration. I will interpret all posted scores in this forum as if they were an Auto Enhanced FICO Version.

Disclaimer: Please be aware that I am not personally approving your loan application. Any comments, suggestions, or advice I may make are solely based on the information you provide me on the below application. Therefore, please, just answer the specific question asked in the application without extraneous comments.

My ability to secure loans for any consumer is based on an intimate knowledge of my lenders policies and procedures along with an extremely personal relationship with each of my credit analysts.

I am unable to predict an interest rate.

LEGEND as follows:

= approved
= declined
= conditional approval
= application withdrawn

Cut and paste from here down. If you do not answer each question, your application will be declined/withdrawn. Similar treatment to what I experience when I don't answer all the asked questions on the interface I use with my creditors.

Credit Application:

Your Age?

Your Equifax Credit Score?
Your Experian Credit Score?
Your TransUnion Credit Score?

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


Do you have an open auto loan?
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)


Total number of revolving account(s) you have?
Total percentage utilized overall?
How many of your revolving accounts are store cards?
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa)
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier)


How long at your current residence?
Do you Rent or have a Mortgage, or Live w/Relative or Other?
Your Monthly Rent or Mortgage payment?
How long have you held your current job?
Your total provable monthly gross income is?
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return)
Is there additional monthly income? What amount monthly?
Describe the source.
Is the additional monthly income provable?
Spousal income is not applicable.

Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.)
Does any credit repository contain any Public Record?
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)?
If yes, please very briefly describe.

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)

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

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