[Boss Hoss]

As a mortgage broker i have a little bit of insight on what the lenders are looking for as well as ways around some "roadblocks". One thing to remember is the documentation requiremnets and verification of the documents on an auto loans is much more laxed than in the mortgage process even though it is a liability rather than an asset.

722 is a good credit score and usually doesnt require documentation of income for an auto loan. However, it is important how you fill out your credit application(job, yrs on job, income, years at address). If the dealership has a good F&I guy he usually knows how to get people "bought" by the lenders they use and he may be open enough as to tell you what you should do--remember they get paid when they finance you. Also, it is impossible to know what your credit is like by just knowing your score. I have people with great scores that have VERY little credit content and have very high scores--can be misleading. Back to documentation...im thinking you have a high possibility of finding an accountant in a lower demographic area of town to "prepare your tax returns" for a small fee. When you apply for a mortgage this wont fly as you fill out a form 4506 which enables the lenders to verify your taxes. Without your written permission the lenders cannot verify your tax returns. This should give you a good start but there is more to think about than i just metioned....for example, you apply for credit at another dealership and he sends a credit application to the same bank as the previous but this time it looks much differnt. You also might want to try a credit union...sometimes credit unions have less restrictions and better rates(with good credit). Hope this helps.

For disclosure, i do not support or recommend any illegal or fraudulent activity.