Odds of getting approved for Hyundai special financing

[rmduhon]

Credit Score: 718 to 771 Fico auto score

AAoA: 4y 4m to 5y

# of positive trade lines: 42

# of negative trade lines: 0

Income: 85000 joint with husband 

Lenght of Employment: 8 years

Previous Loan Experience: perfect auto loan 

Debt-to-Income (DTI): less than 25%

Year of Car: 2025

Miles: less than 25

Purchase/Refinance: purchase

Requested loan term (XX Months): 60

Down payment amount: up to 5k

Co-borrower/Co-Signer: husband 

Other: husband's scores/reports are similar

[JoeRockhead]

I think your odds are good.  Just curious if you have any idea what the large discrepancy in those scores are about?  Seems odd given the DPs you stated.

[rmduhon]

 Bankruptcy on Experian and Equifax. It's not on Transunion. 

[dfwxjer]

What is the loan amount being requested, and what is the loan to value on the vehicle you're purchasing? 

Are you rolling over negative equity? 

Are you setting aside additional funds to cover the TT&L or will that come out of the "up to $5k" downpayment?