APPROVING BANK: PenFed
BUREAU PULLED: UNK
CREDIT SCORE: UNK
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: Used YEAR OF VEHICLE: 2010 (refi)
MAKE: Mazda
MODEL: 5
MILEAGE: 22400
RETAIL/LEASE:Refi
AMOUNT OF LOAN: $13487
TERM CONTRACTED: 36
APR/LEASE RATE: 1.99%
MONTHLY PAYMENT: $388
ANNUAL INCOME: $84,000
MISCELLANEOUS COMMENTARY: Not sure yet what bureau pulled. Will see later when an alert hits. FICO from EQ was 701 from mortgage pull in December. Imagine it was in that range.
APPROVING BANK: BMW Finance
BUREAU PULLED: EX/EQ (Dealer said they use the highest)
CREDIT SCORE: 652 (Cosigner-5?? but previous auto financing)
CUSTOMER STATE OF RESIDENCE: SC - Charleston
NEW/USED: USED
YEAR OF VEHICLE: 2011
BUREAU PULLED: EX/EQ (Dealer said they use the highest)
CREDIT SCORE: 652 (Cosigner-5?? but previous auto financing)
CUSTOMER STATE OF RESIDENCE: SC - Charleston
NEW/USED: USED
YEAR OF VEHICLE: 2011
MAKE: BMW
MODEL: 535I
PACKAGES: PREMIUM 1&2/CONVIENANCE PACKAGE/SPORTS PACKAGE - AUTO,DYNAMIC HANDLING PACKAGE/4ZONE CLIMATE CONTROL
MILEAGE: 24500
RETAIL/LEASE:Retail
RETAIL/LEASE:Retail
LISTED PRICE: $52500
AMOUNT OF LOAN: $43299
TERM CONTRACTED: 72
APR/LEASE RATE: 5.8%
MONTHLY PAYMENT:$636 & CAR INSURANCE:$184 PER MONTH W/GAP
AMOUNT OF LOAN: $43299
TERM CONTRACTED: 72
APR/LEASE RATE: 5.8%
MONTHLY PAYMENT:$636 & CAR INSURANCE:$184 PER MONTH W/GAP
DOWN PAYMENT: $7000
TRADE: $3000
ANNUAL INCOME: $61,000 + (12,000 BONUS) Cosigner combined income
MISCELLANEOUS COMMENTARY: It will be delivered to me on Monday as they pick up my trade (2005 Dodge Neon). They have requested proof of income and have agreed to place new tires on the car assumptively due to the high mileage. I will be adding the extended tire protection plan and warranty. It is white with black leather which was my color preference. I initially went to my local dealer to purchase a brand new black on black one with all the same specs minus the Dynamic Handling Package and 4 zone climate. They wanted 62k brought down to 57k. They had trouble trying to get me financed alone so my grandmama cosigned. 45 minutes later I left with a "callback" = a callback informing me BMWF would consider my prospective purchase with proof of income then we play ball again on Monday. I went home with my tail between my legs due to saving and waiting for this moment for 2 years. I went online and applied with Capital One to see if I could get preapproved. I was advised a decision would be made in 24 hours. Frustration overload now. I've been searching everyday and referenced back to a car I liked in GA. I called him, told him my situation then allowed him to try to get me financed. This car is 10K cheaper to start then I have 10k. He called me back with an approval with proof of income from me and my cosigner. I said let's do it. I'm sooo excited!!! It seems unreal to me 
Just applied and was given a message:
We’ve received your Capital One Auto Finance loan application. We are currently reviewing your information and we will email or call you within three business days to provide you with a status update.
We apologize for the delay and are committed to providing you with a hassle-free loan experience. Thank you for considering us for your auto loan needs!
then 3 minutes later:
Thank you for applying for a Capital One Auto Finance® loan. After reviewing your information, we are unable to approve your application at this time. We will mail you a letter within 7-10 business days that explains the reason for our decision.
Please note: This is the most recent information available to our associates. For your privacy, phone representatives do not have access to decline reasons.
Annual Income:$120,000-$150,000
No Mortgage, only student loans recently consolidated through Willam D Ford. No credit Card Debt (although $453 was posted, I pay my balance monthly carry nothing over to the next month)