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#1 MarvBear


    Velvet Hammer

  • Admin
  • 52,492 posts

Posted 12 August 2006 - 12:00 PM

Please do not post your Name and/or your Social Security Number or any personally identifying information. This board is constantly patrolled by many others. Keep your personal information closely held.

I will do my best to answer your request as time allows. You can simply cut and paste the below Credit Application into a new thread. Since purchasing a vehicle is a very linear transaction in my opinion, please favor me by keeping subsequent questions regarding your request in the original thread that you started. It makes it much easier to give you the most accurate and timely response.

For the sake of argument, you can post whatever score you feel most comfortable posting or that you have access to, I will interpret your posted scores as if they were an Auto Enhanced FICO Version

Please JUST answer the specific question(s) asked without embellishment.

Please do NOT post a cut and pasted version of your credit file by line item as this is basically useless to me. A consumer credit report varies from a creditor version of your credit file.

Disclaimer: Please be aware that I am not personally approving your loan! Any commentary I provide, or observations I may make as to an approval are based on the information you provide to me and my ability to secure a loan on your behalf, should you be a customer that I would routinely deal with. My ability to secure loans for consumers is based on an intimate knowledge of the policies and procedures on a per lender basis, and to a great extent on a very personal relationship that I have with each of these lenders. If I indicate an approval, it should not be construed as a guarantee of approval. If I indicate an approval, it is solely based on the information you provide and is very judgmental on my part, as a goodly number of approvals I manage to provide are purely relationship based. I assume a similarly qualified F&I Manager could likewise provide you with the same approval in your local area. Everything I say/comment is subject to YMMV since I cannot actually see your credit file.




0AK2Eei.gif = Approved

fAFY0ET.gif = Declined

JkgZFGj.gif = Application withdrawn NSF data.

cD1WBe3.gif = Conditional Approval

Cut 'n Paste from here down.

Credit Application:

Your Age:

Your Equifax Credit Score:
Your Experian Credit Score:
Your TransUnion Credit Score:

How long have you been on file with the CRA?s?

Previous Automotive Credit History:
Do you have an open auto loan?
Will this loan be a trade-in?
Number of late pays within the last 12 months on the currently open loan?
Number of late pays within the last 13-24 months on the currently open loan?
Current open auto loan is financed with?
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 (10=BEST)

Revolving Credit History:
Total number of revolving accounts?
Total percent utilization overall?

Your Information:
How long at residence?
Rent/Homeowner/Live with relative?
How long at current job?
Provable via computerized paystub or what method?

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

Does any credit repository contain any Public Record?
Is so, please describe.

Does any credit repository contain any Collection Account(s)
If so, please describe.

New or Used Vehicle you are considering; please describe:

Your creditworthiness on a scale of 1-10 with 10 being the best:
OVERALL credit:
Installment Credit History:
Revolving Credit History:

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