APPROVING BANK: Honda
BUREAU PULLED:transunion
CREDIT SCORE:687
CUSTOMER STATE OF RESIDENCE
A
NEW/USED:new
YEAR OF VEHICLE:2011
MAKE:Honda
MODEL:accord ex
MILEAGE:15k/year
RETAIL/LEASE:lease
AMOUNT OF LOAN:
TERM CONTRACTED:36 months
APR/LEASE RATE:
MONTHLY PAYMENT:$299/month
MISCELLANEOUS COMMENTARY:
BUREAU PULLED:transunion
CREDIT SCORE:687
CUSTOMER STATE OF RESIDENCE
ANEW/USED:new
YEAR OF VEHICLE:2011
MAKE:Honda
MODEL:accord ex
MILEAGE:15k/year
RETAIL/LEASE:lease
AMOUNT OF LOAN:
TERM CONTRACTED:36 months
APR/LEASE RATE:
MONTHLY PAYMENT:$299/month
MISCELLANEOUS COMMENTARY:
APPROVING BANK: Landmark Credit Union
BUREAU PULLED:transunion
CREDIT SCORE: 653 TU, 705 Auto Enhanced
CUSTOMER STATE OF RESIDENCE WI
NEW/USED:Used
YEAR OF VEHICLE:2008
MAKE:Kia
MODEL
edona Mini Van
MILEAGE:50,000
RETAIL/LEASE: Buy
AMOUNT OF LOAN: 20,000
TERM CONTRACTED:66 months
APR/LEASE RATE: 5.99$
MONTHLY PAYMENT:$328
MISCELLANEOUS COMMENTARY. I opted for the 48 month warranty, gap coverage, remote starter installation, and Environmental Protection Package. I know... Those cost me alot of money, but I was able to roll all into the loan. I was surprised I was approved for this large of a loan. I have never financed a car before, and have a BK discharged in 2005. I put $500 down and traded in a car that they gave me $1700 for. My Auto Enhanced score was much higher than my true Fico, maybe because of my low debt to income? Income is 45,000/yr. Not sure. Actual price of car was 15,000.. after tax and all the other stuff it came to $20,000.. but I have piece of mind for at least the next 4 years! I was at a 485 Fico score only 2 years ago.. so I am living proof it can be done with hard work and responsibility.
APPROVING BANK: Chase
BUREAU PULLED: Transunion
CREDIT SCORE: TU-660; EQ-613; EXP-Unknown
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: USED
YEAR OF VEHICLE: 2008
BUREAU PULLED: Transunion
CREDIT SCORE: TU-660; EQ-613; EXP-Unknown
CUSTOMER STATE OF RESIDENCE: North Carolina
NEW/USED: USED
YEAR OF VEHICLE: 2008
MAKE: Mercedes
MODEL: E350
MILEAGE: 51,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $28,657.41
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 12.99%
MONTHLY PAYMENT: $575.12
MISCELLANEOUS COMMENTARY: Traded in my leased Jeep that had 2 months remaining and only had 21,000 miles on a 36,000 mile lease. Zero down and dealer gave me credit for the $3,100 between the lease pay off amount on the Jeep and the dealer's trade-in value. Love the new car! I repaired my credit enough for my first car purchase without a co-signer. Plan to refinance in a year when my score gets up over 700! I screwed up my credit in college and had several charge offs and collections removed over the last year. A year ago, I had ZERO revolving accounts and scores in the mid 500s despite owing very little money to anyone. A year of myfico and I only have one stupid Continental Finance charge off from 2007 on my report, no collections, and a few late payments (none in over a year) on each of my 2 previous Jeep leases with Chrysler Financial. I have a closed B of A credit card with $1,300 balance on a limit of $2,500 (will have zero balance after bonus in April) and now have 2 Capital One cards ($500 each), Credit One ($400), Orchard Bank ($300), and just received my Barclays Usairways Dividend Miles card (after RECON!!) with a $1,500 limit for my first $1,000+ limit since B of A gave me a ridiculous limit in college! I carry no balance on any of these but will keep a few % on the Barclays to have some utilization. Thank you to everyone on the forum and all of the people at myfico!!
MILEAGE: 51,000
RETAIL/LEASE: Retail
AMOUNT OF LOAN: $28,657.41
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 12.99%
MONTHLY PAYMENT: $575.12
MISCELLANEOUS COMMENTARY: Traded in my leased Jeep that had 2 months remaining and only had 21,000 miles on a 36,000 mile lease. Zero down and dealer gave me credit for the $3,100 between the lease pay off amount on the Jeep and the dealer's trade-in value. Love the new car! I repaired my credit enough for my first car purchase without a co-signer. Plan to refinance in a year when my score gets up over 700! I screwed up my credit in college and had several charge offs and collections removed over the last year. A year ago, I had ZERO revolving accounts and scores in the mid 500s despite owing very little money to anyone. A year of myfico and I only have one stupid Continental Finance charge off from 2007 on my report, no collections, and a few late payments (none in over a year) on each of my 2 previous Jeep leases with Chrysler Financial. I have a closed B of A credit card with $1,300 balance on a limit of $2,500 (will have zero balance after bonus in April) and now have 2 Capital One cards ($500 each), Credit One ($400), Orchard Bank ($300), and just received my Barclays Usairways Dividend Miles card (after RECON!!) with a $1,500 limit for my first $1,000+ limit since B of A gave me a ridiculous limit in college! I carry no balance on any of these but will keep a few % on the Barclays to have some utilization. Thank you to everyone on the forum and all of the people at myfico!!
Starting Score: EQ: 573 1-27-11