APPROVING BANK: Hudson Valley Federal Credit Union (HVFCU)
BUREAU PULLED: Experian
CREDIT SCORE:  672 (Coincidentally, the highest of all three...by a lot)
CUSTOMER STATE OF RESIDENCE: NY
NEW/USED: New
YEAR OF VEHICLE: 2008
MAKE: Saab
MODEL: 9-3
MILEAGE: ---
RETAIL/LEASE: Retail
AMOUNT OF LOAN: ~$9970
TERM CONTRACTED: 60 months
APR/LEASE RATE: 7.8%
MONTHLY PAYMENT: $200.42
MISCELLANEOUS COMMENTARY:  [This happened 11/08]  This was with a trade-in, incentives and a hefty down payment.  This CU originally denied me until the dealer called them, unbeknownst to me, and convinced them that it's a win-win situation for them even if I were to default (small loan amount on a new car and will never be upside down).  I already paid off $2500 and plan on it being completely paid in less than a year.  My history shows 3 car loans all paid off with no lates and one current car loan, no lates.   Edited to add:  Paid off 8/13/09!

11/30/08 TU 648 EX 672 EQ 656 2011 TU 736 EX 751 EQ 729 5/2012 TU 759 EX 784 EQ 742
Amex Blue/Clear/BCP/Surpass Hhonors/Business Gold - Barclays LLBean - BOA Hawaiian Airx2/Virgin Atlantic - Cap One Cash Rewards - Chase Freedom/United Mileage Plus Explorer/Sapphire Preferred/Ink- Citi Diamond Preferred/Dividend/ Shell/HHHx2/Reserve- Discover More - GEMB Lowes - Macy's

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Starting Score: 648
Current Score: 736
Goal Score: 765

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