Credit Application: Joint with Wife

Your Age? 36 / wife - 32

Your Equifax Credit Score? self 636 wife 640
Your Experian Credit Score? self 638 wife 635
Your TransUnion Credit Score? self 668 wife 654

How many years have you been on file with Equifax? self 16 yrs wife 12
How many years have you been on file with Experian? self 16 yrs wife 12
How many years have you been on file with TransUnion? self 16 yrs wife 12

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? yes - wife
Will this open auto loan be a trade-in? yes
How many late pays within the last 12 months on the currently open loan? 0
How many late pays within the last 13-24 months on the currently open loan? 0
Your current open auto loan is financed with? Local Credit Union
Your current open auto loan payment is? $550
Estimated amount you may be upside down in this vehicle? maybe $3000 but hoping for straight trade
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? 8
Total percentage utilized overall? 90%
How many of your revolving accounts are store cards? 0
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 8
How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier) 0

YOUR PERSONAL INFORMATION

How long at your current residence? 1year
Do you Rent or have a Mortgage, or Live w/Relative or Other? Mtg
Your Monthly Rent or Mortgage payment? $2200
How long have you held your current job? 3 yrs Wife 9 yrs
Your total provable monthly gross income is? $9000
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? n/a
Describe the source. n/a
Is the additional monthly income provable? n/a
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.) $0-$1000
Does any credit repository contain any Public Record? Yes
If yes, please very briefly describe. Satisfied tax lein

Does any credit repository contain any Collection Account(s)? yes
If yes, please very briefly describe. 1 Arrow from 1992

Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) 7 both
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) 7 both
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7 both

New or Used vehicle you are considering: Please very briefly describe.
New in the $30,000- $35,000 range

Thanks Marv.

On behalf of CreditBoards Admin, MarvBear would like to extend a sincere and warm welcome to the Automotive Forum.

We have an Automotive FAQ (Frequently Asked Questions) section that should prove to be very helpful in your automotive knowledge quest.

In the Reading and Resource Section of this forum, which is a read only forum, you can look up information regarding Sales Tax by State, Lemon Laws by State, along with a number of industry specific topics very relevant from the dealership's perspective.

In the main section of this forum, there are two pinned topics both of which are read only topics. The first concerns Bank and Credit Union rates and tiers. You might find this useful in predicting an interest rate on your next vehicle purchase. The second is a general purpose credit application that you can use to get an idea if you might qualify for an automotive product loan based on an insider's perspective of the information you provide.

You, as a consumer, have a unique advantage to "pick my brain"as I have been in the Automotive Industry since 1972. I will endeavor my utmost to give you up to the minute information and explain any insider workings you may question.

Due to time constraints on my part, I may not always be available to answer your question right away. Don't be discouraged, this is a very busy board. If some extended time goes by without a reply, feel free to reply to your own post by typing the word *bump*. This will *bump* your post back up to the top of the forum where it is more easily seen.

We make every effort to maintain a warm and friendly, and particularly non-judgmental attitude here on CreditBoards. If you find someone is discourteous to you, use the REPORT button located at the bottom of every post-that will ensure that either I or another moderator or Admin looks at the post and decides if it is against our TOS.

Off-topic posts should go in the General Forum. And if you are a credit newbie, take a glance at our Newbies Section.


Come get your new keys!

HAPPY MOTORING

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CB Mods: cotterpin, CargoJon, CramitCCCA's, fla-tan, MarvBear, psp, pryan67,
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