Your Age:32
How long have your been on file with the CRA’s? 14 years

Credit Scores:
Equifax? 615
Experian? 592
TransUnion? 596

Your Credit:
Rate your OVER ALL credit from 1-10 (10=BEST) 7
Rate your installment Credit from 1-10: 8
Rate your revolving Credit from 1-10: 5

Public Records?
If yes, please describe: none

Auto Loans:
Do you have an open auto loan? yes
How many auto loans are presently open? one
Are you trading in your open auto loan? yes
Are there late pays on your CURRENT auto loan? yes
If yes, please list the time frame.
5 30 day lates, last one was in May of 2004 (I am disputing these now)
Current open auto loan is financed with? Toyota Financial
Current open auto loan payment?500.00 per month
Estimated amount you may be upside down in this vehicle? 0
Rate this open auto loan from 1-10. 7

Credit Cards:
Total number of revolving accounts:0
Percent utilization overall:0%

Your Info:
Total Provable MONTHLY GROSS income: 5500.00
Provable via computerized paystubs or what method: paystubs

New or Used Vehicle:
Please describe desired vehicle:
2005 Infiniti G35 Coupe, Amount $38k will try to pay 3k down.

Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome

I have four charge off accounts from a divorce 2 years ago. However on the brighter side I've had two mortgages - never late. One for 150k the other for 90k.
I've had 6 previous auto loans that were never late
21k - never late
19.9k - never late
6k - never late (motorcycle)
12.5k never late
and 10.5 never late

You should be able to obtain the loan.

Two previous mortgages and multiple paid out autos will weigh heavily in your favor.

Thanks Marv,

Do you think I can get a decent rate? Should I wait to see if I can get the lates disputed off of my current auto loan?

If you do dispute the lates, hopefully you will not lose the account totally.

depends greatly on the lender. If they rate and score off of FICO then depend on the bureau and score at time of application.

If they rate internally on a proprietary method, then I think YES!

Hopefully IMO high single digit APR would be my guess. (just an opinion)

Do you suggest doing the preapproval via online for Infiniti or actually talking to the finance manager?

If YOU do it online and the lender turns you down, and if the dealer uses the same lender, he will not be able to get it reversed. Tread very carefully.

Usually only way to get a TD reversed is to make SUBSTANTIAL changes to the loan/lease.