Do I qualify? - My scenario.

[rebuilding123]

Credit Score: FICO 8: 676 EQ - 661 TU - 655 EX ////// FICO Auto Score 8: 632 EQ - 636 TU - 607 EX

AAoA: 4 yrs 4 months

# of positive trade lines: 15 (8 CC - 5 open / 3 closed [$21K CL]) (7 Loans - 1 Auto / 7 Personal)

# of negative trade lines: 4 (1 CC w/ 30 day late Jul 2015) (2 Auto loans - CUNJ, FMC[See Below]) (FH Chargeoff from 2012)

Income: $60K

Lenght of Employment: 9 1/2 years

Previous Loan Experience: 2 auto loans paid and closed. (one no negative remarks, other is 1/1/1) USAA, CUNJ respectively

1 Current loan on 2012 Ford Fusion($5,230 balance out of $20K) (8 lates last 2 yrs [7/1/0], 17 since 2012 [14/3/0], last missed payment August 2015) FMC

Debt-to-Income (DTI): 6%

Year of Car: 2013 or newer

Miles: under 50K

Purchase/Refinance: Purchase

Requested loan term (XX Months): 60-72

Down payment amount: ~$2K

Co-borrower/Co-Signer: If needed(790 FICOs)

Other: Looking to purchase a vehicle in the $25K range NLT August, possibly as early as next month

[nycplayboy78]

You should be good I would join DCU and see what they say. Also check out USAA and PenFed as well. Your baddies aren't that bad per se...Good luck and please come back and tell us what was your outcome and who'd you finally decide to go with...

[TRC_WA]

---

@nycplayboy78 wrote:

You should be good I would join DCU and see what they say. Also check out USAA and PenFed as well. Your baddies aren't that bad per se...Good luck and please come back and tell us what was your outcome and who'd you finally decide to go with...

---

17 lates in 4 years?

No offense to the OP of course but I wouldn't expect great terms.

[rebuilding123]

Yeah it's my ex wife's auto laon that she won't refinance... Absolutely nothing I can do about it.