Chances of getting a $4500 loan?

[Anonymous]

My girlfriend is trying to get some cosmetic work done in about Mid-May 2016 or early June 2016. Procedure is like $4500.00 

She has 3 small baddies which is like $600 all together (medical bills), she has an apartment judgement that's PAID off... and this was back in 2012-2013. Inquiries is like 4 from 11/2015 to 2/1/2015... no more pulling credit until June. 

Her goodies are just like mines. 

Citi Financial Secured CC: $400 Credit Limit - its maxed out at the moment, but will be paying off next month and keeping usage really low from there on out - no lates, no missed payments - Age: 6 months

Captial One CC: $300 credit limit - maxed out at the moment, but will be paying off next month and keeping usuage low from there on out - no lates, no missed payments - Age: 6 months

Target CC: $200 credit limit - 65% used, but next month she will be paying it down and no maxing out from there on out -  Age 5 months

First Premier CC: $300.00 - no lates, no missed payments  - AGE: 1 year and a half.

Finger Hut: $300.00 limit - balance is only like $175 left to pay and she will pay that off next month - Age: 3 months.

Car loan: $4800 - Age: 5 months (NO LATES, NO MISSED) 

Trans Score: 592  Experian: 570 Eq:548  .... I know with those scores she won't get a loan, but by June she should be at about 600 score, once we get her balances paid down. 

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I know all of her credit is pretty much "YOUNG"... but it does has some age on them. My credit is pretty much identical... we both have the same judgement and the same amount of credit cards! But I'm not touching my credit until Sep 2016 - Oct 2016 because I am trying to buy us a house. Meanwhile she's trying to get some dental work done and need the loan. She make about $3,200 monthly salary. She's 24 years young. & need some advice on her chances. 

Looking to apply for United Medical Credit or maybe a Loan from her Credit UNION! 

[Anonymous]

What are her FICO scores? Where is she going to apply?

[Anonymous]

Btw, a baddie is a baddie no matter how big or small.

[Anonymous]

Her scores is Trans: 592 Experian: 570 Eq:548... She wont get it with those scores but by June we hope to be at atleast a 600 with Trans & Experian... she will apply to United Medical Credit or Her Credit Union both pulls EXPERIAN... and Also, we know a baddie is a baddie... and they all impact your score but I was told by a loan officer before that an underwriter does not Medical bills against you unless they are over very high. And all of her baddies is med bills under $200

[Anonymous]

That's great about the med collection! Look into Dentalfirst by Comenity.

[Bankrupt2019]

seems like her credit file needs some cosmetic surgery

I don't see an approval likely until scores are over 650, especially for that amount. However, it all depends on the lender

[Anonymous]

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@Bankrupt2019 wrote:

seems like her credit file needs some cosmetic surgery

I don't see an approval likely until scores are over 650, especially for that amount. However, it all depends on the lender

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I have to agree.

[IncrsCreditScore1]

Is the cosmetic surgery elective?

[Anonymous]

It's a dental procedure.

[IncrsCreditScore1]

I asked because the OP initially stated his girlfriend was trying to get some cosmetic work done, then later stated it was dental work. Dental work can be elective. That can make a difference in whether a loan is approved or not.