Credit Application:

Your Age? 28

Your Equifax Credit Score? 552
Your Experian Credit Score? 575
Your TransUnion Credit Score? 568

How many years have you been on file with Equifax? 10
How many years have you been on file with Experian? 10
How many years have you been on file with TransUnion? 10

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? yes, but will be paid by the time i start shopping next month
Will this open auto loan be a trade-in?
How many late pays within the last 12 months on the currently open loan? none
How many late pays within the last 13-24 months on the currently open loan? none
Your current open auto loan is financed with? drive time (yuck)
Your current open auto loan payment is? $447
Estimated amount you may be upside down in this vehicle?
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 10


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 5
Total percentage utilized overall? 5%
How many of your revolving accounts are store cards? 1
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 1
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 3

YOUR PERSONAL INFORMATION

How long at your current residence? 2 yrs
Do you Rent or have a Mortgage, or Live w/Relative or Other? rent
Your Monthly Rent or Mortgage payment? $500
How long have you held your current job? 7 yrs
Your total provable monthly gross income is? 2221
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, tax return, bank statements) pay stub
Is there additional monthly income? What amount monthly?
Describe the source.
Is the additional monthly income provable?
Spousal income is not applicable.

YOUR DOWNPAYMENT
Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) $1500

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.
5 total between the three reports, nothing new within the last 18 months

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 6
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) 5
**also have 2 paid auto loans, if that helps, and no negatives in the last 14+ months

New or Used vehicle you are considering: Please very briefly describe.
minivan, used, under $15000

I know APR can't be quoted, but is there a range that you can guesstimate? I'm in Florida, if that matters.

approved

I know APR can't be quoted, but is there a range that you can guesstimate? I'm in Florida, if that matters.

If you have 2 prior paid out auto loans, whyever would you have financed with Drive?

they were also through drivetime - we had crap credit, and needed a car... young and stupid?

You will be approved. I am sorry, I am not trying to dodge your question, but I find it impossible to predict an apr or even a range without actually viewing a credit file.

I would honestly recommend you focus on making sure that the price on whatever you select is appropriate.

An apr is just a basic risk rating of the loan, based on an approving creditors assessment of your credit file.

understood... i'm just concerned about getting a crappy deal, i have no idea what an appropriate expectation should be for us.

thanks for your help!

another question... will my "auto enhanced" score be higher than regular FICO's, if my auto loan's have always been on time, not late? Or is there no way to tell?

no way to reliably tell AFAIK.