Your Age: 23
How long have you been on file with the CRA’s? 5yrs
Credit Scores: tu 608, exp,566, eq 532


Your Credit:
Rate your OVER ALL credit from 1-10 (10=BEST)6
Rate your installment Credit from 1-10: have none
Rate your revolving Credit from 1-10: have 2 accts. a)8 b)10
Public Records? No

Auto Loans: None open. One repo/co from 02'

Credit Cards:
Total number of revolving accounts: 2

Percent utilization overall: 40%

Your Info:
Total Provable MONTHLY GROSS income: 3200.
Provable via computerized paystubs or what method: Stubs

Your Downpayment in CASH: 0

New or Used Vehicle: new or used

Please describe desired vehicle: 2005-06 chevy equinox lt $20-25k

Please leave any comments that you feel may be pertinent and may lend added weight for a favorable outcome. Have 2-3 unpaid and paid med. coll on all reports.

http://creditboards.com/forums/index.php?s...opic=122729&hl=

What has changed?

scores, # of revolving accounts, rated credit higher this time around.

You will IMO need a downpayment.

Do you think 1k will do it still?

IMO 1K would be necessary in order to get an approval.

thanks again marv. Do you think that the apr would still be about the same as your last guess?

If the lender bases the apr simply off the score, you can check in the bank rate sticky.

If, however, the lender uses an internal score card, then likely your fico score will only play a small part, much less than the LTV ratio will IMO.