THanks MARV! be honest and brutal if need be haha



Your Age? 26

Your Equifax Credit Score? 617
Your Experian Credit Score? 635
Your TransUnion Credit Score? 631

How many years have you been on file with Equifax? 4
How many years have you been on file with Experian? 4
How many years have you been on file with TransUnion? 4

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? Never had one
Will this open auto loan be a trade-in? N/A
How many late pays within the last 12 months on the currently open loan? N/A
How many late pays within the last 13-24 months on the currently open loan? N/A
Your current open auto loan is financed with? N/A
Your current open auto loan payment is? N/A
Estimated amount you may be upside down in this vehicle? N/A
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A

YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 3
Total percentage utilized overall? 2-3%
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) 3
How many of your revolving accounts are known subprime credit cards?

1 CITI 1500 (4 YEARS OLD)
1 HSBC 500 (8mo old)
1 FIRST PREM 500 (3 mo old)

YOUR PERSONAL INFORMATION

How long at your current residence? 3mo
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? $705
How long have you held your current job? 1 year but constantly employed for 4
Your total provable monthly gross income is? $4600
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) paystub (all salary)
Is there additional monthly income? What amount monthly? N/A
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.) $3000 w/ additional $5500 trade in
Does any credit repository contain any Public Record? no


Does any credit repository contain any Collection Account(s)? YES
If yes, please very briefly describe.
EQUIFAX
1 medical paid
1 medical unpaid (600) in dv process now
1 other paid
TU
1 medical paid
1 medical unpaid (600) in dv process now
1 other paid
EXP
1 medical paid
1 other paid


Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) from my perspective..........10
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) none
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) short on 2 cards but no lates on any cards

New or Used vehicle you are considering: Please very briefly describe. Top price of 20k new or used............4 door suv (gr cherokee, nissan murano, inf fx35 is top choice used)

I believe you would be approvable with such a large downpayment.

Marv can I get you to take a second look at this:


Probably looking at trying next week

Your Age? 26

Your Equifax Credit Score? 661 (1 unpaid 4yo med, 1 paid 3yo ca)
Your Experian Credit Score? 721 fako (1 ca 3+yo)
Your TransUnion Credit Score? idk (1 ca 3+yo)

How many years have you been on file with Equifax? 4
How many years have you been on file with Experian? 4
How many years have you been on file with TransUnion? 4

YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY

Do you have an open auto loan? Never had one
Will this open auto loan be a trade-in? N/A
How many late pays within the last 12 months on the currently open loan? N/A
How many late pays within the last 13-24 months on the currently open loan? N/A
Your current open auto loan is financed with? N/A
Your current open auto loan payment is? N/A
Estimated amount you may be upside down in this vehicle? N/A
Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) N/A

YOUR REVOLVING CREDIT HISTORY

Total number of revolving account(s) you have? 3
Total percentage utilized overall? 1%
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) 1
How many of your revolving accounts are known subprime credit cards? 2

1 CITI 1000 (4 YEARS OLD) Got Cld'd
1 HSBC 500 (8mo old)
1 FIRST PREM 500 (3 mo old)

YOUR PERSONAL INFORMATION

How long at your current residence? 6mo
Do you Rent or have a Mortgage, or Live w/Relative or Other? Rent
Your Monthly Rent or Mortgage payment? $705
How long have you held your current job? 1 year but constantly employed for 4
Your total provable monthly gross income is? $4600
Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) paystub (all salary)
Is there additional monthly income? What amount monthly? N/A
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.) $2000 w/ additional $5500 trade in
Does any credit repository contain any Public Record? no


Does any credit repository contain any Collection Account(s)? YES
If yes, please very briefly describe.
EQUIFAX
1 medical unpaid (430)
1 other paid (3yo)
TU
1 other paid (3yo)
EXP
1 other paid (3yo)


Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) from my perspective..........10
Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) none
Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) short on 2 cards but no lates on any cards

New or Used vehicle you are considering: Please very briefly describe. Top price of 15k, looking at used bmw, infiniti, etc

Less of a cash downpayment will lessen your chances.

I would still tend to predict an approval.