What kind of 616 is it? Have you ever had an auto loan? Any late's? Any collections/chargeoffs?
Depending on your answer to that it could be anywhere from 12%-20%. All depending.
Starting score: EQ08 - 590 (08/14)
Current Scores(11/14):
EQ08 - 662 : DCU - 656
TU08 - 656 : CK - 655
EX08 - 636 : CS - 674
$500 Cap1 : $500 Cap1 QS
Goal: 720 by 4/15
