UNITED AUTO LENDERS

Get Your Free Credit Report & FICO Score And Know For Sure!

Feel free to use the following examples to determine your approximate credit profile, but we recommend getting your own credit report and score from one of our trusted partners. Remember, regardless of your credit profile United Auto Lenders can help you get the new or used, car truck or SUV you want through our Bad Credit Auto Loan Program.

Good Credit - FICO Score of 700+

Customers with good credit will have demonstrated a "paid as agreed" credit history for at least three years. "Unapplied for" derogatory items on the credit report such as medical bills, and civil judgments from non-creditors are often ignored.

Good Credit Customers have had "paid as agreed" installment credit such as a mortgage or an auto loan within the last three years. Major derogatory items such as a repossession or bankruptcy should have happened over three years ago. What's your score?

Fair Credit - FICO Score of 625+

Customers with fair credit history will have demonstrated a "paid as agreed" credit history for at least two years. They may have an occasional late payment.

Customers without a "paid as agreed" installment credit such as a mortgage or an auto loan within the last two years should have substantial good revolving credit. Major derogatory items such as repossession and bankruptcy happened over eighteen months ago. What's your score?

Situational Sub Prime Credit or Slow Pay - FICO Score of 575+

Customers with a situational credit problem. You can usually identify a significant economic disaster or event that caused the credit situation. For example:

• A Divorce.
• Illness or injury.
• Loss of employment.
• Bankruptcy due to medical problems, credit card debt, or loss of income.

Sub Prime Credit or No Credit - FICO Score of 525+

Customers with little or no applied for credit. May have numerous unapplied for charge-off accounts such as bad checks, unpaid medical bills and utility bills, small unpaid charge accounts, and unresolved repossessions over two years old. What's your score?

Very Bad Credit - FICO Score of 525-

Customers with credit problems that cannot be isolated to a single event. A long term history of bad credit. For example:

• Multiple bankruptcies.
• Multiple repossessions outside of bankruptcy at different times.
• Significant bad credit after a bankruptcy.
• Currently delinquent on all existing obligations.
• Unresolved repossessions less than one year old.
• History of writing bad checks over a long period of time.