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Here are my stats: EQ 692, TU 695, EX ???. Salary: $31,200. been working there for 3+ years. I have 2 unpaid collections remaining on my reports that i'm having difficulty getting deleted. Let me know if more info is needed for you guys to determine. If I would be approved, anyone know how much they would lend me or the interest rate??? Thanks in advance.
@Anonymous wrote:
Thanks...had a 3k loan that was paid in 2002. Want to borrow 15k. 3k down. I live with parents so no rent. 2cc's total $800 limit, both at $0.
I would think you would qualify at a decent interest rate. The only issue coudl be this 3k loan. Was that an auto loan? Past auto loan history reall helps with auto loan apps. If it was paid in 2002, it may no longer be reporting. Most positive tradelines go away after about 10 years. If you have no auto loans or mortgages reporting, you would be considered a first time buyer, which might raise your interest rate or make them ask for a cosignor.
I'm curious, if you have no rent, no car payment, make $31,200 a year... how come you're only making a 3K DP?
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Gotcha. Just wanted to make sure you didn't have extra money that you COULD put on the DP but WEREN'T going to.
I've seen people that just pay a certain amount on DP because that's what they were told to do, when in reality, more can be applied and it actually helps.
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thanks