Your Age: 20
How long have your been on file with the CRA�s? 2 Years

Credit Scores:
Equifax?: 703
Experian?: 678
TransUnion?: 699

Your Credit:
Rate your OVER ALL credit from 1-10 (10=BEST): 10
Rate your installment Credit from 1-10: 10
Rate your revolving Credit from 1-10: 10

Public Records?: No
If yes, please describe:


Auto Loans:
Do you have an open auto loan?: No
How many auto loans are presently open?: Zero
Are you trading in your open auto loan?: No
Are there late pays on your CURRENT auto loan?: N/A

Current open auto loan is financed with? N/A
Current open auto loan payment? N/A
Estimated amount you may be upside down in this vehicle? N/A
Rate this open auto loan from 1-10. N/A

Credit Cards:
Total number of revolving accounts: 2
Percent utilization overall: 5%

Your Info:
Total Provable MONTHLY GROSS income: 4500
Provable via computerized paystubs or what method: Bank Statements

Your Downpayment in CASH: 30%

New or Used Vehicle:
Please describe desired vehicle: 05 Acura RL 30k mi

previous automotive credit?

no previous credit on file. i have a close-ended lease for a year now that i havent missed a payment on but they don't report. they could verify this info though but i dont think they would help much. so as far as the CRAs are concerned no prior automotive credit

can this closed end lease be manually verified?

what do you mean by manually verified? the company can be called and they will verify it verbally or in writting. other than that i dont know?


also marv, another question is if i were to get a secured installment loan for like 6k for 6 months and paid it as agreed, would that help as a basis for getting an auto loan

If I were to be provided with an account number, can I pick up the phone and talk to someone in their credit department that will disclose payment history and high credit ?

yes you could

Then I would predict approval.

thank you very much

though, would most places bother to call the place i have the vehicle leased with and do that type of work? also would this mean i could get approved given my inability to verify my income with traditional paystubs, w2, etc...

final question and thank you very much

given all you have stated, and provided verification can be made, both of the prior lease/loan, and you current income PLUS bank statements at a minimum to indicate your additional source, if an F&I Mgr were sufficiently motivated, I would predict an approval.