Impressive, considering the scores you posted are all below 700. How did you pull it off if you don't mind my asking?
With a 635 EX score (605 Auto FICO), I bought my car new, no money down ($500 rebate) at the start of 2015 (it's a 2015) with ZERO income verify.
Didn't have to provide check stubs or tax returns. Bank never asked either and they had two or three chances to do so. But they are a sub-prime lender and even have a 10 day grace period.
I re-fi'ed in August of last year.
Which lender did you go through?
Gateway One Lending.
You can't simply apply to them, they only work with dealers. Of the two dealers I know they work with -
Antelope Valley Ford and Hyundai/Ford of Kirkland, WA
I'm sure there's more. That said I was approved by Hyundai Finance with a TU score below that and a better interest rate. But I had problems with my TU which had me listed as deceased...
I guess it's okay now.
Chances are they won't ask for check stubs these days because car sales is keeping the economy moving.
did you have perfect credit? if not, what is name of company? i need help..thanks