EX-99.1 15 dex991.htm STATISTICAL INFORMATION FOR THE RECEIVABLES AS OF THE CUTOFF DATE Statistical information for the receivables as of the Cutoff Date

Exhibit 99.1

AmeriCredit Corp.

Composition of the Receivables

2007-2-M Initial Cut

10/11/07*

 

     New     Used     Total  

Aggregate Principal Balance (1)

    $ 355,205,156.12     $ 670,445,614.94     $ 1,025,650,771.06  

Number of Receivables in Pool

      14,397       35,971       50,368  

Percent of Pool by Principal Balance

      34.63 %     65.37 %     100.00 %

Average Principal Balance

    $ 24,672.16     $ 18,638.50     $ 20,363.14  

Range of Principal Balances

    $ (268.99 to $117,665.39 )   $ (258.49 to $149,093.19 )  

Weighted Average APR (1)

      10.92 %     11.93 %     11.58 %

Range of APRs

      (3.99% to 21.00 )%     (4.90% to 21.99 )%  

Weighted Average Remaining Term

      72       69       70  

Range of Remaining Terms

      (3 to 96 months )     (3 to 96 months )  

Weighted Average Original Term

      77       73       74  

Range of Original Terms (2)

      (7 to 96 months )     (12 to 96 months )  
(1) Aggregate Principal Balance includes some portion of accrued interest. As a result, the Weighted Average APR of the Receivables may not be equivalent to the Contracts’ aggregate yield on the Aggregate Principal Balance.
(2) The original term may reflect a period longer than 96 months depending on the due date of the first contractual payment.

Distribution of the Receivables by Score as of the Cutoff Date

 

FICO Distribution

  

Term Distribution

Credit Bureau Score (1)

  

Percent of Aggregate Principal
Balance (2)

  

Original Term (4)

  

Percent of Aggregate Principal
Balance (2)

<600

   12.66%   <=60   14.05%

600-639

   19.39%   61-72   61.03%

640-679

   21.20%   73-84   12.43%

680-719

   18.01%   >=85   12.49%
         

720-759

   13.48%    

760-799

   9.33%    

800+

   5.93%    
         

Weighted Average Score

 

Weighted Average Term

679   74

LTV Range (3)

   90% lies between 81% and 161%

Weighted Average LTV (5)

   121%
(1) A statistically based score (sometimes referred to as FICO score) generated by credit reporting agencies. AmeriCredit utilizes TransUnion, Equifax or Experien credit reports depending on the location of the obligor. Credit Bureau Scores are unavailable for some accounts and those accounts are not included in the Credit Bureau Score table above. Since these accounts are not included in the percentages above, the Aggregate Principal Balance of the accounts based on Credit Bureau Score may be less than the total statistical pool.
(2) Percentages may not add to 100% because of rounding.
(3) LTV is calculated as the total amount financed, including taxes and ancillary products, over the NADA value of the vehicle at the time of the contract.
(4) Maximum Original Term not more than 96 monthly payments.
(5) LTV is not available for some accounts and those accounts are not included in the Weighted Average LTV calculation.

 

* Receivable information is through close of business on date indicated.

AmeriCredit Corp.

Distribution of the Receivables by APR as of the Cutoff Date

2007-2-M Initial Cut

10/11/07*

Distribution of the Receivables by APR as of the Cutoff Date

 

APR Range (1)    

Aggregate Principal

Balance as of Cutoff Date

    Percent of Aggregate
Principal Balance (2)		    

Number of

Receivables

    Percent of Number of
Receivables (2)		  
3.000%-3.999 %   7,281.02    0.00 %   1    0.00 %
4.000%-4.999 %   73,396.95    0.01 %   10    0.02 %
5.000%-5.999 %   2,336,856.71    0.23 %   206    0.41 %
6.000%-6.999 %   36,655,302.72    3.57 %   1,973    3.92 %
7.000%-7.999 %   73,758,469.72    7.19 %   3,671    7.29 %
8.000%-8.999 %   131,305,243.65    12.80 %   6,093    12.10 %
9.000%-9.999 %   165,464,459.93    16.13 %   7,550    14.99 %
10.000%-10.999 %   124,108,550.60    12.10 %   5,775    11.47 %
11.000%-11.999 %   97,304,341.14    9.49 %   4,718    9.37 %
12.000%-12.999 %   89,174,641.07    8.69 %   4,427    8.79 %
13.000%-13.999 %   72,926,598.45    7.11 %   3,607    7.16 %
14.000%-14.999 %   72,601,697.43    7.08 %   3,650    7.25 %
15.000%-15.999 %   62,633,734.80    6.11 %   3,127    6.21 %
16.000%-16.999 %   46,472,316.15    4.53 %   2,480    4.92 %
17.000%-17.999 %   22,635,507.16    2.21 %   1,283    2.55 %
18.000%-18.999 %   15,218,600.07    1.48 %   929    1.84 %
19.000%-19.999 %   7,899,665.82    0.77 %   501    0.99 %
20.000%-20.999 %   2,057,788.34    0.20 %   143    0.28 %
21.000%-21.999 %   3,016,319.33    0.29 %   224    0.44 %
                     
TOTAL     1,025,650,771.06    100.00 %   50,368    100.00 %
                     
(1) Aggregate Principal Balances include some portion of accrued interest. Indicated APR’s represent APR’s on Principal Balance net of such accrued interest.
(2) Percentages may not add to 100% because of rounding.

 

* Receivable information is through close of business on date indicated.

AmeriCredit Corp.

Distribution of the Receivables by Geographic Location of Obligor

2007-2-M Initial Cut

10/11/07*

 

State

    Aggregate Principal
Balance as of Cutoff Date (1)		    Percent of Aggregate
Principal Balance (2)		     Number of
Receivables		   

Percent of Number of

Receivables (2)

  

Alabama

      12,068,218.24    1.18 %   525    1.04 %

Arizona

      61,313,843.47    5.98 %   3,021    6.00 %

California

      281,626,467.20    27.46 %   13,747    27.29 %

Colorado

      24,929,369.26    2.43 %   1,331    2.64 %

Connecticut

      3,103,893.61    0.30 %   177    0.35 %

Delaware

      1,614,976.47    0.16 %   79    0.16 %

Florida

      106,304,805.66    10.36 %   5,102    10.13 %

Georgia

      33,131,886.33    3.23 %   1,626    3.23 %

Hawaii

      1,411,393.37    0.14 %   65    0.13 %

Idaho

      3,576,110.23    0.35 %   168    0.33 %

Illinois

      14,741,284.77    1.44 %   699    1.39 %

Indiana

      28,180,835.64    2.75 %   1,467    2.91 %

Iowa

      2,683,224.59    0.26 %   128    0.25 %

Kansas

      2,608,330.58    0.25 %   158    0.31 %

Kentucky

      21,200,600.53    2.07 %   1,060    2.10 %

Maine

      1,588,881.89    0.15 %   76    0.15 %

Maryland

      11,056,587.52    1.08 %   545    1.08 %

Massachusetts

      6,150,959.15    0.60 %   348    0.69 %

Michigan

      14,986,133.12    1.46 %   829    1.65 %

Minnesota

      3,896,238.93    0.38 %   212    0.42 %

Mississippi

      1,038,481.17    0.10 %   45    0.09 %

Missouri

      9,809,680.30    0.96 %   540    1.07 %

Nevada

      47,040,567.62    4.59 %   2,162    4.29 %

New Hampshire

      2,895,893.92    0.28 %   158    0.31 %

New Jersey

      21,108,810.96    2.06 %   1,030    2.04 %

New Mexico

      9,301,048.76    0.91 %   356    0.71 %

New York

      27,657,762.91    2.70 %   1,214    2.41 %

North Carolina

      23,932,846.58    2.33 %   1,228    2.44 %

Ohio

      42,430,764.58    4.14 %   2,322    4.61 %

Oklahoma

      10,644,207.41    1.04 %   545    1.08 %

Oregon

      2,574,211.57    0.25 %   135    0.27 %

Pennsylvania

      27,088,666.17    2.64 %   1,448    2.87 %

Rhode Island

      1,444,144.09    0.14 %   85    0.17 %

South Carolina

      11,781,050.71    1.15 %   636    1.26 %

Tennessee

      35,605,599.91    3.47 %   1,634    3.24 %

Texas

      78,710,454.04    7.67 %   3,600    7.15 %

Utah

      1,650,896.10    0.16 %   67    0.13 %

Virginia

      9,117,825.94    0.89 %   452    0.90 %

Washington

      13,655,676.90    1.33 %   751    1.49 %

West Virginia

      8,686,648.11    0.85 %   449    0.89 %

Other (3)

      3,301,492.75    0.32 %   148    0.29 %
                        

TOTAL

    $ 1,025,650,771.06    100.00 %   50,368    100.00 %
                        
(1) Aggregate Principal Balances include some portion of accrued interest.
(2) Percentages may not add to 100% because of rounding.
(3) States with aggregate principal balances less than $1,000,000.

 

* Receivable information is through close of business on date indicated.