Applicant Name:   Old N Achem 
  Loan For:   2005 Chevy Equinox 
83000 miles		 Hart Software Testing 
No Dealer Phone tied to this account
  Intended For:   LARGEVEHICLE 
  Loan Amount:   $5000 
  PASS Score:   6 
 549  
 REVIEW  
 � ton and larger trucks and vans are not eligible for our consumer program rates and terms.
Please fax the application to the Credit Union office for a decision. 

  Qualifications:  
 Two local references AND two family references with phone numbers and addresses 
 Current AND Previous landlords names & phone numbers 
 Proof of 5 years continuous employment (employer name, address, & phone #) 
 Copy of valid Kansas driver's license 
 Proof of 3 months paid full coverage auto insurance 
 WAGE EARNER: Pay stub with supporting avg. YTD income / SELF-EMPLOYED: Tax return showing Line 222 AGI of $_________ 
 THIS IS SUBJECT TO VERIFICATION OF INSURANCE AND EMPLOYMENT 
  

PASS SCORE TABLE
Single Applicant
  Value:    Applicant:    PASS Score:  
  Age   -1  
  Income (verifiable mo.)    $5000    3
  Own / Rent    Home    3
  Time at Residence    Over 5 years    3
  Time with Present Employer    3 years to 5 years    2
  Self-Employed    NO   
   
  Credit Score    549 - FICO AUTO 04    -10
  Unsecured Ratio    5%    0
  Debt Ratio    9%    2
  Payment to Income    0%    0
  Collateral Value    61%    3
   
  Selling Price    $9588     
  NADA Retail    $8200     
  Amount Requested    $5000     
  Est. Car Payment (if approved)    $-1 per month     
  TOTAL SCORE     6
   
 NOTE: Added monthly MORTGAGE housing payment of $0 that was entered on the input screen
               to DTI ratio, since no mortgage payments were found on credit report.  
 NOTE: Did not subtract the previous monthly auto payment: Either subtracted matching auto installment payment
               in tradelines or no auto payment was entered on the input screen.  
 REVIEW FLAG: No positive auto trade  
 REVIEW FLAG: Slow pay or derogatory auto trade  
 REVIEW FLAG: Credit Score is less than Minium to ACCEPT of 625  
 REVIEW FLAG: � ton and larger trucks and vans are not eligible for our consumer program rates and terms.
Please fax the application to the Credit Union office for a decision.  

 
Internet Credit
  APPLICATION INFORMATION:

 

 

Bureau
 

 

Application for Dealer:
 

 

Name

Age/DOB

SSN

Phone
 

 

Current Address

City

ST

Zip
 

 

Time at Residence

                      

Own / Rent

               

Monthly Payment
 

 

Previous Address

Previous City

ST

Previous Zip
 

 

Employer

Occupation
 

 

Self Employed?
  NoYes

 

Time with Present Employer
 

 

Income (verifiable monthly)
 

 
 

 

JOINT Application?
  NoYes

 

Co-Applicant Name

Age/DOB

Co-App. SSN

Co-App. Phone

        
                

 

Co-Applicant Has Same Address as Primary Applicant?

                                                                       
  YesNo  

 

Co-Applicant Current Address

Co-App. City

ST

Zip

              
   

 

Co-Applicant Time at Residence

Co-App. Own / Rent

Co-App. Monthly Payment

              
   

 

Co-Applicant Employer

Co-Applicant Occupation

              
   

 

Co-Applicant is Self-Employed?

                                                                                                                       
  NoYes  
 

Co-Applicant Time with Present Employer

Co-Applicant Income (verifiable monthly)
   

 

Co-Applicant Relation

                                                                                                                                       
   

 
 

 

Loan For:
Year

Make

Model

Mileage

Vehicle Type
 
 

Intended for:

Engine Displacement (CCs):
 

 

Selling Price

NADA Retail

           

Trade-In Monthly Payment

Amount Requested
 

FORCE Tier To:
   
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