@bigseegar wrote:
No way of really answering this without knowing your DP's and exact UTL and even with an 800 score how thick is your credit file? If it's an 800 but a very thin or young file then that's why. Also may/may not be your income as well. Again withour knowing all of those things it's impossible to try and give you any kind of possible answer.
DPs? UTL reported is 10% (currently 1%), and my file is avg age of 10 yrs, 18 yrs oldest, one hard pull from a card last year, perfect payment, total credit of $60K. The car loan prea-approvals didn't ask for any loan amount #s, fwiw. Income 100K.
Does that help?
