APPROVING BANK:AUDI financial
BUREAU PULLED:EXPERIAN
CREDIT SCORE:635 auto score
SOFT PULL/HARD PULL: hp
CUSTOMER STATE OF RESIDENCE:ny
NEW/USED:C.P.O.
YEAR OF VEHICLE:2017
MAKE:AUDI
MODEL
6
MILEAGE:11910
FINANCE/LEASE:FINANCE
PURCHASE PRICE:56,995
AMOUNT OF LOAN:65000 [rolled in negative equity]
TERM CONTRACTED:72
APR/LEASE RATE:4.99% [can't believe it!] I was paying 16.9%
MONTHLY PAYMENT:1100
ANNUAL INCOME:138000
DEBT TO INCOME RATIO:45
MISCELLANEOUS COMMENTARY:AUDI does not use EQUIFAX; audi uses the score from EXPERIAN and USES TRANSUNION as a secondary backup for verification. No income verification because of time at residency and time on the job--17 years.
Note: I had 2 auto COs on my credit report-- showing "paid in full" , but maybe because I haven't been late for 3 years on my current auto loan; last late on my mortgage was Aug.2017, student loans last late was 2017. Finance manager told me audi financial predominantly looks at STABILITY--time on the job and residency status. Many of the advice on here were very helpful. Simply do your homework before you go shopping.