Your Age: 25
Your Equifax Credit Score: 630 FICO
Your Experian Credit Score: 650 FICO
Your TransUnion Credit Score: 690 FICO
How long have you been on file with the CRA?s? 7 years
Previous Automotive Credit History: No
Do you have an open auto loan? No
Will this loan be a trade-in? No
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? n/a
Current open auto loan payment is? n/a
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) n/a
Revolving Credit History:
Total number of revolving accounts? 1 (after bankruptcy)
Total percent utilization overall? 48%
Your Information:
How long at residence? 3 year
Rent/Homeowner/Live with relative? Rent.
How long at current job? 1 year
Total Provable MONTHLY GROSS INCOME? $600 ($2600 w/ hubby)
Provable via computerized paystub or what method? Computerized paycheck stubs
Your Downpayment in CASH: $500
Does any credit repository contain any Public Record? Yes
Chapter 7 Bankruptcy (discharged Feb. 03)
Does any credit repository contain any Collection Account(s)? No
New or Used Vehicle you are considering; please describe:
Used, below $13,000
Your creditworthiness on a scale of 1-10 with 10 being the best:
OVERALL credit: 6
Installment Credit History: 8 (just started paying student loans)
Revolving Credit History: 6
I know it looks like a lender's nightmare. I could possibly get my mother to cosign if that would help.