Credit Score: Ex 610, EQ 563, TU 590 (According to the Myfico 3 bureau report I bought on this website). I have paid medical bills listed below. I have 3 public records that are all paid off(2 for around $200 each - 1st will fall off in a few months, 2nd in 1 year or so; the 3rd PR is around $6-7k[paid off]) & consists of all medical bills as well, which still has 5.5 years to go before it falls off (the medical bills themselves are dated 2008-2013 for the DoFD).
AAoA: Total of 91 months across 5 accounts, so 18 months (1.5 years) AAoA? Think I'm going to garden awhile after I get a car(if I can get a loan). I'd like to get the loan with NFCU if possible but I'll go with whoever I can get a loan with, and the best rates.
# of positive trade lines: 5 (3 open credit cards, 1 closed credit card, 1 phantom account from somewhere?). The closed account was a $400 secured card opened 3 years ago(2 years of activity). The open accounts are: an unsecured $5k card from NFCU opened 11 months ago, an unsecured $400 card from First Premier opened
11 months ago, & a secured $700 card from First Premier opened 2 years 2 months ago. I also have a $500 CLOC from NFCU that is 7 months old. I haven't asked for CLI's for my NFCU cc & CLOC as I wanted to try & get a car first. I'm not sure what the 5th positive tradeline listed on my CR is, as it doesnt actually show it, it just shows I have 5, and then breaks it down showing 4. I did recently get a CLOC but this report was from before that. I also lost a credit card several years back so I'm thinking maybie they are counting the old lost card as an extra account, because they gave me a new acct # after that. Can't remember, that was the account I ended up closing due to that company trying to screw me over by withholding my payments for obscenely long times, incurring "late charges". Why does it take a company over
2 weeks to submit my payment into their computers? I'm guessing they were trying to force late charges, but whatever, I'm done with them. In hindsight I should have kept that card open & just not really used it so it could boost my AAoA I guess, but I was mad at the time, and my feelings overcame me & so I closed the account heh.
# of negative trade lines: Not sure if medical bills are considered tradelines but if they are I have: EQ - 9, TU - 4, Ex - 3(all fully paid; also, 4 of these are the same account split across 2 bureaus, so the total is actually lower). If medical bills aren't considered tradelines, then I have 0 negative tradelines. I've never missed any payments on any of my credit cards. I've never had any other kind of loan.
Income: $40k
Length of Employment: 9.5 years
Previous Loan Experience: None
Debt-to-Income (DTI): 15.9% (this is not including the car payment as I'm not sure how much it would be). I pay $475 rent & a total of $55 to my CC's just to keep them open & reporting.
Year of Car: 2010-2014
Miles: Not sure (I haven't actually started looking at cars, so not sure on mileage, but would like a 2010-2014 vehicle if it's possible)
Purchase/Refinance: Purchase
Requested loan term (XX Months): 60 or less
Down payment amount: $3k
Co-borrower/Co-Signer: No
Other:
As stated above, every bad item on my CR is a medical bill that is paid. I doubt this makes a difference, but wanted to put that out there. Also, I'm sure my file is considered thin, as I was a cash only type person before I finally decided to try & start a credit history. Unfortunately, around the same time I had several surgeries & was steeped in thousands of $$ from bills. Finally paid all that off(feels good!). Hopefully I can get the medical bills GW at some point successfully. Also, my CC utilization is around 5%. I have around 3-4 inquiries that are mostly from NFCU(they seem to love doing these). Hopefully that's all the info that is needed.
