http://ficoforums.myfico.com/fico/tracker Homesweeethome Tracker Tue, 18 Jun 2013 20:43:08 GMT 2013-06-18T20:43:08Z http://ficoforums.myfico.com/t5/Auto-Loans/Motorcyle-loan-would-I-qualify-for-good-rate/m-p/1736794#M26389 <p>Hello,</p><p> </p><p>I'm looking to buy a motorcycle and will be applying for a loan for about 32K through the manufacturer since my CU rates are higher.  </p><p> </p><p>My current stats:</p><p> </p><p>EQ = 739 as of today</p><p>EX = 748 as of 12/1</p><p>revolving monthly debt = $565</p><p>annual income = $130k</p><p>credit card usage= 31% (Yes, I know this is high...working on it)</p><p>clear record</p><p>1 credit inquiry (Discover card application)</p><p> </p><p>Wondering if I would qualify or not.  I don't want to apply for the loan if I'm going to get denied since that would just lower my score.  I applied for the Discover card just this week so that I can transfer one of my card balances ($4K) over to take advantage of the 0% rate for transfers which I got approved for so I'm just waiting for the card.  </p><p> </p><p>Thanks!</p><p> </p> Thu, 06 Dec 2012 20:53:14 GMT http://ficoforums.myfico.com/t5/Auto-Loans/Motorcyle-loan-would-I-qualify-for-good-rate/m-p/1736794#M26389 Homesweeethome 2012-12-06T20:53:14Z