Credit Application:

Your Age?21

Your Equifax Credit Score? 619
Your Experian Credit Score? Dont Have One
Your TransUnion Credit Score? Dont Have One

How many years have you been on file with Equifax? 2 Years
How many years have you been on file with Experian? 3 Months
How many years have you been on file with TransUnion? 3 Months

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? ZERO
How many late pays within the last 13-24 months on the currently open loan? ZERO
Your current open auto loan is financed with? Universal Finance
Your current open auto loan payment is? 198.34
Estimated amount you may be upside down in this vehicle? NONE
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? 3
Total percentage utilized overall? 51%
How many of your revolving accounts are store cards? ZERO
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) ZERO
(Line of Credit through bank)

YOUR PERSONAL INFORMATION

How long at your current residence? 10 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Live W/Relative
Your Monthly Rent or Mortgage payment? ZERO
How long have you held your current job? 2yrs and 9 months
Your total provable monthly gross income is?
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) All of the Above
Is there additional monthly income? What amount monthly?1300-1500 varies
Describe the source.
Is the additional monthly income provable? Child Support 180/month!
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.) $500-1000
Does any credit repository contain any Public Record?
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)?
If yes, please very briefly describe.

One Medical Collection for $200

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)9
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)10
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9

New or Used vehicle you are considering: Please very briefly describe.

2004 Chevrolet Suburban LT $14995 73k miles or New Nissan Altima Lease

Your application is incomplete. Would you wish it withdrawn?

No i see what i left out i will correct it!

I will go even further.. regardless what the scores are. MAJOR down payment would be necessary since you will be extremely payment and term limited on that vehicle.

I think i have everything straightened out now!

Credit Application:

Your Age?21

Your Equifax Credit Score? 619
Your Experian Credit Score? 611
Your TransUnion Credit Score? 615

How many years have you been on file with Equifax? 2 Years
How many years have you been on file with Experian? 3 Months
How many years have you been on file with TransUnion? 3 Months

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? ZERO
How many late pays within the last 13-24 months on the currently open loan? ZERO
Your current open auto loan is financed with? Universal Finance
Your current open auto loan payment is? 198.34
Estimated amount you may be upside down in this vehicle? NONE
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? 3
Total percentage utilized overall? 51%
How many of your revolving accounts are store cards? ZERO
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) ZERO


YOUR PERSONAL INFORMATION

How long at your current residence? 10 years
Do you Rent or have a Mortgage, or Live w/Relative or Other? Live W/Relative
Your Monthly Rent or Mortgage payment? ZERO
How long have you held your current job? 2yrs and 9 months
Your total provable monthly gross income is? $1350
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) All of the Above
Is there additional monthly income? What amount monthly? NONE
Describe the source.
Is the additional monthly income provable? Child Support 180/month!
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.) $500-1000
Does any credit repository contain any Public Record?
If yes, please very briefly describe. NONE

Does any credit repository contain any Collection Account(s)?
If yes, please very briefly describe.

One Medical Collection for $200

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best)9
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best)10
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best)9

New or Used vehicle you are considering: Please very briefly describe.

2004 Chevrolet Suburban LT $14995 73k miles or New Nissan Altima Lease

what was the amount financed on your current car payment?

Original Finance Amount Was $4633 and balance is now 2418!

Thanks For Your Speedy Reply!

Declined. NSF income.

Thanks Marv and Hurricane!