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APPROVING BANK: Ally
BUREAU PULLED: Equifax
CREDIT SCORE: 654
SOFT PULL/HARD PULL: HARD
CUSTOMER STATE OF RESIDENCE: GA
NEW/USED: USED
YEAR OF VEHICLE: 2016
MAKE: BMW
MODEL: I3
MILEAGE:7826
FINANCE/LEASE: Finance
PURCHASE PRICE: 15982
AMOUNT OF LOAN:
TERM CONTRACTED: 36
APR/LEASE RATE:12.2
MONTHLY PAYMENT:
ANNUAL INCOME: 115000
DEBT TO INCOME RATIO:1%
MISCELLANEOUS COMMENTARY:
I was surprised to get a 12% loan. I filed BK and it was DC on 11/06. Since then I applied for a credit card with Mission Lane, approved for 1000 LC, piggybacked on wife AMEX 8500 LC. Slow but surely rebuilding.
APPROVING BANK: Pennsylvania State Employees Credit Union
CREDIT SCORE: 770ish at the time
CUSTOMER STATE OF RESIDENCE: Pennsylvania
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Toyota
MODEL: Highlander
MILEAGE: 28,890.... ish
FINANCE/LEASE: Finance
AMOUNT OF LOAN: $26,293.30
TERM CONTRACTED: 84
APR/LEASE RATE: 3.99%
MONTHLY PAYMENT: $359.34
MISCELLANEOUS COMMENTARY: I did this in April 2019... I haven't seen this thread until now.
@MauiMan85297 wrote:
APPROVING BANK:NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 710
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: AZ
NEW/USED: N
YEAR OF VEHICLE: 2019
MAKE: VOLVO
MODEL: XC60 T5 Inscription
MILEAGE: 5
FINANCE/LEASE: F
PURCHASE PRICE: 47,900
AMOUNT OF LOAN: 55,000
TERM CONTRACTED: 72
APR/LEASE RATE: 4.99
MONTHLY PAYMENT: 886
ANNUAL INCOME: 120,000
DEBT TO INCOME RATIO: 24%
MISCELLANEOUS COMMENTARY: Buried $3,000 negative equity on 2016 Rogue. Instant approval-all done through NFCU app on iPhone.
APPROVING BANK:NFCU
BUREAU PULLED: EQ
CREDIT SCORE: 749
SOFT PULL/HARD PULL: SP
CUSTOMER STATE OF RESIDENCE: MA
NEW/USED: U
YEAR OF VEHICLE: 2013
MAKE: FORD
MODEL: ESCAPE 2013
MILEAGE: 37360
FINANCE/LEASE: REFI
PURCHASE PRICE: 10712
AMOUNT OF LOAN: 9563
TERM CONTRACTED: 48
APR/LEASE RATE: 4.29
MONTHLY PAYMENT: 217
ANNUAL INCOME: 120,000
DEBT TO INCOME RATIO: 10%
APPROVING BANK: Cap1
BUREAU PULLED: All
CREDIT SCORE: 580
CUSTOMER STATE OF RESIDENCE: MN
NEW/USED: Used
YEAR OF VEHICLE: 2017
MAKE: Acura
MODEL: RDX
MILEAGE: 30000
RETAIL/LEASE: 22500
AMOUNT OF LOAN: 19500
TERM CONTRACTED: 72
APR/LEASE RATE: 8%
MONTHLY PAYMENT: 395
ANNUAL INCOME: 100000
DEBT TO INCOME RATIO: 33
MISCELLANEOUS COMMENTARY: This was my sister.. she has lots of lates on CCs but perfect auto history with Cap1
APPROVING BANK: Conservation Employees Credit Union
BUREAU PULLED: EQ
CREDIT SCORE: 715
SOFT PULL/HARD PULL: Hard
CUSTOMER STATE OF RESIDENCE: MO
NEW/USED: Used
YEAR OF VEHICLE: 2018
MAKE: Audi
MODEL: A4
MILEAGE: 19K
FINANCE/LEASE: Finance
PURCHASE PRICE: 29000
AMOUNT OF LOAN: 31500
TERM CONTRACTED: 72
APR/LEASE RATE: 3.25
MONTHLY PAYMENT: 482
DEBT TO INCOME RATIO: 24%
MISCELLANEOUS COMMENTARY: Very small CU that has the best customer service you can imagine. Excellent rate, no hassle, great experience. Never owned a "premium" or "luxury" class vehicle and loving it so far! Buying used 1-2 year old vehicles is the only way to go in my opinion. Get a practically new vehicle at a drastic discount. Let someone else take the immediate depreciation hit, imo.
APPROVING BANK: NMAC
BUREAU PULLED: Eqiufax
CREDIT SCORE: 670
SOFT PULL/HARD PULL: hard
CUSTOMER STATE OF RESIDENCE: FL
NEW/USED: New
YEAR OF VEHICLE: 2020
MAKE: Nissan
MODEL: Pathfinder SL Rock Creek
MILEAGE: 9
FINANCE/LEASE: Lease
PURCHASE PRICE: Net Cap Cost- 33,611.91
AMOUNT OF LOAN:
TERM CONTRACTED: 48 months
APR/LEASE RATE: 4.6
MONTHLY PAYMENT: 449.83
ANNUAL INCOME: 52K
DEBT TO INCOME RATIO: under 12 to 15%
MISCELLANEOUS COMMENTARY:
They must have pulled all three to try and find a lower credit score. You've got a great credit score there!