01-17-2014 08:46 AM - edited 01-17-2014 09:09 AM
Ive been doing some loan shopping, and am looking at Chase, seeing as there are so many positive reviews about them. I have both their Freedom and Slate cards, but they both have high balances due to the holidays. I use those cards the most of all my cards (0% APR), and have never been late on them. My total UTIL is 29% for all cards. Here is more info:
Credit Score: 660 EX Fico (1/11)
AAoA: little less than 2 years
# of positive trade lines: 6
# of negative trade lines: 2 ( a few lates from 2+ years ago)
Income: approx 23,000 per year
Lenght of Employment: 2.5 years at current job
Previous Loan Experience: none
Debt-to-Income (DTI): 10%
Year of Car: 2011 Honda Accord
Requested loan term (XX Months): 60
Down payment amount: 6400
Other: I live with family, so I dont pay any rent. Patelco already denied me and after the fact told me that they have to put atleast $400 down as rent even though I dont pay any.
Looking for a loan of no more than 17,000.
01-17-2014 09:42 AM - edited 01-17-2014 09:56 AM
Forgot to add:
Im a recent college graduate, if that helps any. Have about $3800 in savings for rainy day situations.
I also bank at US Bank... should I try with them too?
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