Credit Application:

Your Age? 24

Your Equifax Credit Score? 618
Your Experian Credit Score? 660
Your TransUnion Credit Score? 656

How many years have you been on file with Equifax? 7 yr
How many years have you been on file with Experian? 7 yr
How many years have you been on file with TransUnion?7 yr

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? Yes
Will this open auto loan be a trade-in? No
How many late pays within the last 12 months on the currently open loan? 3 (DofLD Jan 08)
How many late pays within the last 13-24 months on the currently open loan? 8
Your current open auto loan is financed with? Toyota Financial
Your current open auto loan payment is? $325
Estimated amount you may be upside down in this vehicle? $0
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) 4


YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 9
Total percentage utilized overall? 60%
How many of your revolving accounts are store cards? 3
How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 6
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? 12 yrs
Do you Rent or have a Mortgage, or Live w/Relative or Other? Live with Relative
Your Monthly Rent or Mortgage payment? $100.00 month
How long have you held your current job? 1 yr
Your total provable monthly gross income is? $2,600
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) Pay Stub
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? $5,000
Does any credit repository contain any Public Record? No
If yes, please very briefly describe.

Does any credit repository contain any Collection Account(s)? No
If yes, please very briefly describe.

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) 5
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) 7

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

2009 Subaru WRX Premium 5 Door. MSRP $28,000.
Replacing totaled 2005 Scion xB.
Amount down coming from insurance after loan payoff.

Denied, due to recent excessive delinquency
You might be able to find a subprime lending to buy this loan, but your interest rate will be high, Especially in the credit climate.

Would this be the same using my credit union vs using the dealer?
I had some bad jobs that were not paying enough that screwed me up. I wasn't looking to buy currently, it just was kind slammed on me.

DECLINED. might consider with trade of open auto unit.

Unfortunately, the open auto unit is totaled. The loan is being paid off by insurance.

Would consider with proof of PIF of prior auto loan. No deficiency allowed.

SECU MD
Pre-approval for $25,000 @ 5.24% @ 60Months..

Wooo
Now I just have to find the car.

congrrrrrrrrrrrrrrrrrats.