topic Re: New Auto Loan in Auto Loans

New Auto Loan

Anonymous — Thu, 04 Jun 2009 17:47:10 GMT

I'm 20 years old, work full time and make about 30k a year. I've had credit cards since I was 18 and and have about 16000 of avail credit and utilize only 3k, so around 19%. TU score is a 703, Experian 731. What are my chances of getting a good loan? I'm putting 10% down.

Re: New Auto Loan

Anonymous — Thu, 04 Jun 2009 18:21:54 GMT

You shouldn't have any problems at all.

Congrats on being so responsible at such a young age!

Re: New Auto Loan

JoeBJay20 — Thu, 04 Jun 2009 20:58:09 GMT

If you got your UTI to <9%, you would see a nice boost in your scores, and almost assure yourself of getting the best possible rate, assuming your DTI isn't prohibitive. I see you listed an EX score, where did you get it, as EX FICO scores are no longer sold to the public.