My Explorer is dying a slooooow death and I need to get rid of it now, says my mechanic....
Credit Application:
Your Age? 41
Your Equifax Credit Score? 565
Your Experian Credit Score? 594
Your TransUnion Credit Score? 558
How many years have you been on file with Equifax? 20+
How many years have you been on file with Experian? 20+
How many years have you been on file with TransUnion? 20+
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? yes
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 1
How many late pays within the last 13-24 months on the currently open loan? 1
Your current open auto loan is financed with? FMCC
Your current open auto loan payment is? $431.00
Estimated amount you may be upside down in this vehicle? $11k
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account you have? 9
Total percentage utilized overall? 70-75%
How many of your revolving accounts are store cards? 6
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1
YOUR PERSONAL INFORMATION
How long at your current residence? 11+ years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance
How long have you held your current job? 7 years 2 mos.
Your total provable monthly gross income is? me $4243/mo. (dh $4334)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub and/or tax return
Is there additional monthly income? What amount monthly? no
Describe the source.
Is the additional monthly income provable?
YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 2 disputed Palisades collections that are not mine
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7
New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)
Can I do it alone. DH scores similar.
Thanks Marv!!!
Full Version: Credit App for Marv
11K upside down??????????????????????????
QUOTE
Credit Application:
Your Age? 41
Your Equifax Credit Score? 565
Your Experian Credit Score? 594
Your TransUnion Credit Score? 558
How many years have you been on file with Equifax? 20+
How many years have you been on file with Experian? 20+
How many years have you been on file with TransUnion? 20+
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? yes
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 1
How many late pays within the last 13-24 months on the currently open loan? 1
Your current open auto loan is financed with? FMCC
Your current open auto loan payment is? $431.00
Estimated amount you may be upside down in this vehicle? $5-6k
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account you have? 9
Total percentage utilized overall? 70-75%
How many of your revolving accounts are store cards? 6
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1
YOUR PERSONAL INFORMATION
How long at your current residence? 11+ years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance
How long have you held your current job? 7 years 2 mos.
Your total provable monthly gross income is? me $4243/mo. (dh $4334)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub and/or tax return
Is there additional monthly income? What amount monthly? no
Describe the source.
Is the additional monthly income provable?
YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 2 disputed Palisades collections that are not mine
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7
New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)
Your Age? 41
Your Equifax Credit Score? 565
Your Experian Credit Score? 594
Your TransUnion Credit Score? 558
How many years have you been on file with Equifax? 20+
How many years have you been on file with Experian? 20+
How many years have you been on file with TransUnion? 20+
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? yes
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 1
How many late pays within the last 13-24 months on the currently open loan? 1
Your current open auto loan is financed with? FMCC
Your current open auto loan payment is? $431.00
Estimated amount you may be upside down in this vehicle? $5-6k
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account you have? 9
Total percentage utilized overall? 70-75%
How many of your revolving accounts are store cards? 6
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1
YOUR PERSONAL INFORMATION
How long at your current residence? 11+ years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance
How long have you held your current job? 7 years 2 mos.
Your total provable monthly gross income is? me $4243/mo. (dh $4334)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub and/or tax return
Is there additional monthly income? What amount monthly? no
Describe the source.
Is the additional monthly income provable?
YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 2 disputed Palisades collections that are not mine
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7
New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)
Sorry about that - was running out the door to get to class. Revised.
QUOTE(getit2gether @ Oct 6 2006, 08:07 AM) 
QUOTE
Credit Application:
Your Age? 41
Your Equifax Credit Score? 565
Your Experian Credit Score? 594
Your TransUnion Credit Score? 558
How many years have you been on file with Equifax? 20+
How many years have you been on file with Experian? 20+
How many years have you been on file with TransUnion? 20+
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? yes
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 1
How many late pays within the last 13-24 months on the currently open loan? 1
Your current open auto loan is financed with? FMCC
Your current open auto loan payment is? $431.00
Estimated amount you may be upside down in this vehicle? $5-6k
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account you have? 9
Total percentage utilized overall? 70-75%
How many of your revolving accounts are store cards? 6
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1
YOUR PERSONAL INFORMATION
How long at your current residence? 11+ years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance
How long have you held your current job? 7 years 2 mos.
Your total provable monthly gross income is? me $4243/mo. (dh $4334)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub and/or tax return
Is there additional monthly income? What amount monthly? no
Describe the source.
Is the additional monthly income provable?
YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 2 disputed Palisades collections that are not mine
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7
New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)
Your Age? 41
Your Equifax Credit Score? 565
Your Experian Credit Score? 594
Your TransUnion Credit Score? 558
How many years have you been on file with Equifax? 20+
How many years have you been on file with Experian? 20+
How many years have you been on file with TransUnion? 20+
YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY
Do you have an open auto loan? yes
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 1
How many late pays within the last 13-24 months on the currently open loan? 1
Your current open auto loan is financed with? FMCC
Your current open auto loan payment is? $431.00
Estimated amount you may be upside down in this vehicle? $5-6k
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 9.5
YOUR REVOLVING CREDIT HISTORY
Total number of revolving account you have? 9
Total percentage utilized overall? 70-75%
How many of your revolving accounts are store cards? 6
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 2
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 1
YOUR PERSONAL INFORMATION
How long at your current residence? 11+ years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mortgage
Your Monthly Rent or Mortgage payment? $1005 including taxes & insurance
How long have you held your current job? 7 years 2 mos.
Your total provable monthly gross income is? me $4243/mo. (dh $4334)
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) paycheck stub and/or tax return
Is there additional monthly income? What amount monthly? no
Describe the source.
Is the additional monthly income provable?
YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $500
Does any credit repository contain any Public Record? no
If yes, please very briefly describe.
Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 2 disputed Palisades collections that are not mine
Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 5
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 9
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7
New or Used vehicle you are considering: New lease SUV - Nissan, Toyota, Jeep (really would like to know what I could be approved for before applying)
Sorry about that - was running out the door to get to class. Revised.
Also, may I add that I am eligible through my employer for the following Plans:
- GM Supplier New Vehicle Purchase Program Plus (Purchase or Lease)
- Daimler Chrysler Affiliate Reward Program (Purchase or Lease)
- Ford X-Plan (Purchase or Lease)
approved
QUOTE(MarvBear @ Oct 7 2006, 10:10 AM)
approved
Thank you - we've decided to wait. Still cleaning up reports (hubby's report just jumped 36 points and mine jumped 7) and also want to pay down the loan more.
You really provide a great service here on CB! Thanks again!
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