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Credit Score:EQ 610 TU 603 EX603
AAoA:8 months
# of positive trade lines:1
# of negative trade lines:0
Income:37k
Lenght of Employment:8 months
Previous Loan Experience: 2 years of ontime auto payments, 2 credit cards always ontime payments.
Debt-to-Income (DTI):20%
Year of Car:2012
Miles:20k
Purchase/Refinanceurchase
Requested loan term (XX Months): 72
Car Amount: 26k
Down payment amount:10k-12k
Co-borrower/Co-Signer: No
Other: Score just dropped from 690 to 610 this month from a collection. Hopefully it will bounce back a little these next couple of months.
You have a good chance with that big of a down payment on that price of a vehicle. Do you belong to any CUs? If so, that would be your best bet. You even try Cap One's preapproval process.
Any luck