Customer Credit Application: Fill & Download for Free

What we did was start every customer with an interview. We would sit them down at a desk, build rapport, offer them a beverage and ask a standard set of questions designed to match them with a vehicle that would suit their needs.Serious buyers would typically embrace this step in the sales process. Joyriders would balk and say things like "before we go further I would like to drive the car and see if I like it." It becomes obvious what their intentions are.It's laughable, because I've never met anyone who's driven a M6 or a Ford GT and say they didn't like it. So when they continue to push for the ride, I would deftly say things to close the sale like "Everybody likes this car - you would be the first that didn't. So if we could come to agreeable terms would you be willing to take this vehicle home today? Pending a test drive, of course."Their obvious answer would be "Yes!" They think that would be the key to a joyride. But not so fast! My next statement is "Great! I just need to run a credit check to make sure we're all good before we go any further." I would then whip out the credit application, pull out a pen, and with a huge smile say "What's your Social Security number?"That typically ended the joyrider interview right there.

One of the most important things to know when you apply for multiple credit cards at once is which credit bureau each bank uses to pull your credit report. In case you didn’t know, there are three major credit bureaus, also called credit reporting agencies (CRAs), in the United States. When you apply for new financing, banks and credit card companies can pay to access your credit report from Equifax, Experian or TransUnion.The credit reporting agency used by a card issuer to see your credit report can determine whether your application is approved or denied, especially when you apply for several cards in a short amount of time. If several card issuers pull the same credit report over and over again, it could affect your chances of being approved.However, if card issuers go to different credit bureaus to buy your reports, one issuer might not see that you’re applying for a new account elsewhere. As a result, your chances of being approved for several cards should increase.Multiple credit applications may reduce your FICO Score, so it’s important to know what you’re getting into before you decide to apply for several cards at once.Know your scoreBefore you apply for any type of new credit, it’s critical to know where your credit stands and reports before you fill out a new application. Knowing the condition of your credit gives you a better idea of how your application may look to potential credit card issuers.Checking your three credit reports is easy. You can request a free report from Equifax, TransUnion, and Experian once every 12 months online at Checking your credit score, on the other hand, can be slightly more complicated.The reason checking your credit score is complicated is because you don’t have just three credit scores (one for each of your reports). Rather, hundreds of credit scores are commercially available and some lenders use custom credit scores of their own. The result is thousands of credit score possibilities.The two most popular credit score brands in the U.S. are FICO and VantageScore. VantageScore, a joint venture created by the three credit reporting agencies, has been growing in popularity since its launch in 2006. But the FICO Score is still used by 90% of lenders in the United States.Your FICO Score is a number between 300 and 850. The score is based on the information found in your credit report. Lenders use scores to estimate your creditworthiness. The higher your score, the more likely you are to have your credit card applications approved.According to FICO, a “good” credit score is typically between 670 and 739. A FICO Score of 740-799 is “very good” and 800+ is considered “exceptional.”Don’t get bogged down with the quest for perfection. An 850 FICO Score might feel nice, In general, credit card companies don’t differentiate among scores between 720-850.These are the factors that make up your FICO Score. (Image courtesy of FICO)It is wise to learn as you can see in the chart above, five credit-report categories determine your FICO Score to varying degrees. These categories include your payment history, amounts owed, length of credit history, newly opened credit accounts, and the types of credit you use.Well am just an email away.

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