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since
06-13-2008
07-03-2022
LindaLu
Regular Contributor
205
Posts
2
Kudos
06-30-2022
06:26 PM
😆😆😆. Ok
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06-30-2022
10:47 AM
Well I never thought that would cause a red flag but I will definitely remember this. I did however sign the gor for the tax transcripts since they already hit me with an Inquiry. it did however mention this was to verify income. But who knows if the whole own home thing triggered it. I just wonder if they will approve it now because when it says household income I include mine and my significant other because we live together I'll let you know what happens
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06-29-2022
05:45 AM
1 Kudo
Thank you. That helps. I didn't know that. I think I got denied another card and reason said no real estate showing. Now I understand what that meant. I'll do this in the future. But I don't want to put rent instead of own because I would assume owning looks better to a creditor than Re ting. Just my thought.
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06-29-2022
02:49 AM
Thank you. That was helpful. Well my mortgage no longer shows on my tax credit report so that could be why Also
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06-28-2022
06:51 PM
It didn't ask anything about my employer other than if I was employed. However I read in another thread that because I listed zero for housing payment because my house is paid off thst could trigger it. also it asked household income which I included my significant other's income so that might get me a denial it it said you could include that but if you have to send in tax forms and you don't file with the other person in your household not sure how that would affect their decision uou could think they eould just ask for a paystub though. Tax return is a very personal thing especially to give a credit card company
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06-28-2022
06:08 PM
I'm I came up preapproved for a Discover card. So I applied. Right when it came up to the decision part it came up they needed more info and to call. I did the chat. The lady said I need to give consent for them to access my tax transcripts? But why ? Other than getting a mortgage I have never have a credit card company require this for approval
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01-20-2016
06:39 PM
I got a preapproval letter from a loan company called credit direct loans. It says they are out of Maryland. It listed the website to go to and get your offer. However when I do all it does is ask your name address, email and phone number and when you press submit it says someone will call. I am a little skeptical that it is even a preapproval offer as I have gotten other preapproval offers and they ask for much more than this then say when you are approved for. They ended up calling and emailing me but I cannot get a straight answer from 3 different people I have talked to as to whether or not it was a legitimate preapproval offer or not. They just keep saying they have to take an app on me. It appears to me they just want a phone number and email to contact people as leads. I don't want to waste a hard inquiry if I am not preapproved. If anyone has evern dealt with them can you please let me know the deal on this company ? thanks
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01-20-2016
04:23 PM
I still am getting turned down. I did however talk to one company that deals with many lenders and they said it is probably because I have high utilization(knew that) and because I have a couple loans I am still paying on and they montly payments on credit cards is making my debt to ratio look too high. I explained that this is why I am trying to consolidate my credit card balances and once I do this the money I pay in a monthly loan payment on them is way lower than what each card requires as a minimum payment each month. He said he definately agreed and that I need to find a loan company that takes things like this into consideration but might be hard to find. It's like they are looking at it like I want to add more debt with a loan he said but not taking into consideration that I am paying them off with the loan and the debt on them will not be there..just the monthly loan payment on consolidating them He didn't really know of a company to recommend. kind of a catch 22 situation. So I guess I am going to just wait or do a lot of digging on this internet unless anyone knows any other ideas.
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01-18-2016
02:14 PM
I had already tried Sofi.. they gave me a preapproval but when final approval came they denied me for utilization I already tried payoff too..denied..I just tried the other ones you listed and got denied as well.. I also just tried pave.com. kind of mad now because I think it was a hard pull..got denied. I tried another one too that I think was a hard pull and got denied. Do you knowif there is a site that might list ALL soft pulls? I think I should just forget it at this point but thought I would ask.
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01-18-2016
02:07 PM
just be careful with avant.I know someone who got a loan thorugh them and yes they didn't verify her income and she doubled what she made and now has a loan she cannot afford. interest rate out the roof. She was all happy at first that she got such a large loan and is totally regretting it now. They did however lower the payment by $150 and extend loan out another year but it is still too much for her. I would hate to see someone get in this type of predicament because they don't verify income.
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01-18-2016
11:42 AM
most of them turned me down. I have small loans with lending club and prosper that I took out for other purposes. I tried getting a second loan from them and they turned me down for high utlilzation. I got turned down from avant, borrowers first and circleback. I have nothing negative on my report but the thing that is the issue is the high utilization. I have some cards with no or low utilization but some with high.. just can't get around this for some reason.
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01-18-2016
10:03 AM
What companies would you recommend for a credit card consolidation loan? The ones online are so much less hassle but I got a couple for other purposes but when I try to get one for a credit card consolidation loan I am getting denied because my credit card utilization is too high.. The sole purpose I want to consolidate them is the sole reason they are declining me. Can't seem to get past this point with any so far. Any help is appreciated
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12-22-2015
07:24 PM
I go to school full time...spring summer and fall.. I get the subsidized and unsubsidized loans. plus I got a perkins loan from the school..every semester they add a new account to my credit report..one for subsized one for unsubsidized and one for perkins loans..because of course they split the amounts up per semester...the problem is I am now getting denied credit because i have too many new accounts on my credit reports. I also had one credit card that lowered my limit because of this. I am an adult student and I need credit for other things and this is hindering me now.. Is there any want to avoid this or combine them before I am done with school? Anyone else have this issue. ? thanks
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03-28-2013
06:44 PM
just so you all know (in case it helps anyone else) when they auto enhanced my score it went up 64 points...the finance manager said it made a difference when they enhanced my score...I got the loan today and drove home in my new 2013 Chrysler 200...got 5.9% through Ally...not bad considering I have an almost 6 year old Bk on my report..my score was 665 and they pulled transunion.
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03-28-2013
07:19 AM
does anyone know what credit agency Ally pulls? I live in Ohio...I pulled my fico score here on this site which should be a true score I hear..paid $19.95 for it so it better be...my equifax was 663...can't get my experian of course but that report I was able to review on another site shows lower balances and more positive so I'm thinking it would be even better...transunion for some reason is showing 601 from a couple days ago..I don't want to pay again to update it but I really think it is wrong...I'm going today to apply for a loan for a car...I am hoping to get approved but hoping if that transunion is right they don't pull that one... Just trying to know what to expect before I get there...thanks for any insite on this.. thanks;)
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03-26-2013
10:38 AM
On that note. Do they all go by fico or are there some that still go by their own scoring system ? Does anyone know ?
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03-26-2013
06:27 AM
I'm planning on joining a credit union today. But will I qualify for an auto loan right away ? Also dealer financing does that mean they find you the financing or you borrow from them. ? I'm confused on that
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03-25-2013
07:46 PM
I'm weighing my options..I really don't want to lease but if it is easier to get approved and all I can get approved for I will do it...I just feel if you keep leasing you will alweays have a car payment ..verses buying the car and paying it off in 4 years and then driving it for another few more without a payment...but right now I'm just concerned about the approval process thanks
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03-25-2013
07:43 PM
I've got so many questions as you may have noticed...lol...haven't bought a car in 12 years so I'm not up on car loans... I keep reading dealer financing...do all dealer's finance? or is that just them doing their hunting for a loan for you? I am buying a Chrysler..(hopefully)...but it is a Chrysler Dodge Jeep dealership...Is it ieasier to get adealer financing?
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03-25-2013
07:27 PM
my question is ...are the fico scores already auto enhanced? what exactly is auto enhanced? I have an auto loan on my credit report but it has been paid off since 2005...so it shows closed..would that help me with an auto enhancement? also do lenders take into consdideration if you don't have an auto loan on your report that it may be lower because of that? thanks...
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03-25-2013
07:22 PM
It will be 6 years in May for my bk... I had a car loan I paid off 1 year prior...I didn't really need to get a car loan nor did I want the payment...until recently...I think it has hbeen long enough that I should be able to get approved...I have heard horror stories about high interest rates due to the bk or getting denials..but on here I have read people getting approved shortly after bk and getting great interest rates...besides I really need to buy a new car rather than put money into another one.. I have no lates since bk and 10% utilization and low inquiries... I found a car and I will need to finance about $16,000 I have gotten those preapprovals in the mail from capital one before so I am confident I can get financed...I just don't want one of those high interst rates that make the payment so high I have to decline the car because I can't afford it. anyone in my situation have good or bad expereinces with this? I'd like to hear...
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03-22-2013
08:13 PM
I am going to be shopping for a car in the next week or so...I haven't bought a new car in a very long time. I have read on here that you only get one inquiry on your credit report when car shopping but my question is that just for one dealership? The reason I ask is because the dealorships as I recall check with several different lenders who oviiously run your credi..So if I go to a few different dealorships will I get hit with an inquiry for each one? I don't want to go to too many dealorships if this is the case... thanks for any help!
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11-21-2012
07:33 PM
No what I found was the judgement the state department of taxation filed against him for unpaid school income taxes. I just assumed it put a lien on the house. The date was 5 months before our divorice was final I'm calling the clerk of courts to see if there I'd a quit claim deed. If not my attorney is going to hear about it. His attorney too for that matter. I had no knowledge of how those worked. They are the attorneys not me
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11-20-2012
04:08 PM
thanks Greg and Beb on your insite. I think actually there already is a lien on the property..even though I was never aware of it I found it on the public access to court records in my county ..on line..I thought there would have been some type of certified notice on this though...maybe it went to his current address and he just ignored it. Idon't mean to sound uneducated but what exactly does a lien do? I assume if I ever sell the property they will take that amount my the profit..correct? or does that still make a foreclosure possible? I still have to check on that quit claim too... thanks guys:)
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11-18-2012
05:50 PM
his attorney said he was to get with her the week after the divorice...that was almost 4 years ago..I just assumed he did but knowing him I wouldn't be surprised if he didn't and maybe his attorney just forgot about it. So if he did was I supposed to record it somewhere to get him off the deed? I didn't know that ...I was never told about that.. . school income taxes are taxes that some of the school districts require in Ohio.. it is 1% of each person's income....It is not anything to do with your property or anything...it is basically paid to the state and the school district gets the 1%.. what is your opinion? will they garnish his wages or come after the property?
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11-18-2012
05:08 PM
Here's my situation...my ex husband owes back taxes for school income taxes from when he lived in our home that I currently reside at from about 8 years ago..He doesn't return my calls so I just send the letters back that keep coming here for him.. I am concerned they will foreclose because of this..Although he "supposedly" signed a "quit claim" taking him off the title when we got divoriced I am under the assumption that he since he owed it from this property I could be in danger of the state foreclosing because of this. The amount is a little over $1000..I was told by people that they wouldn't foreclose because of unpaid personal taxes..especially school taxes and because it is only $1000 and that they will probably garnish his wages instead..I am just concered though.. The last letter that came here from the attorney general's office had an attorney's name under it ...I sent it back but I'm getting concerned... thanks for any insight...losing sleep over this..
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08-31-2012
07:35 PM
I was wondering if anyone know what hsbc cards cap one did not take over? I had 3 hsbc cards and couldn't get any others as I had the limit..I was wondering if cap one having alot of their accounts now that I could get some of the cards that cap one did not take ..or will they still show as hsbc accounts for now? thanks for any info
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04-26-2012
03:04 PM
Experian seems to be my highest credit score now. It used to be Transunion.. I want to get a new card and was wondering if anyone knew what cards use Experian.. thanks
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