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Closing on a new mortgage this Friday!
I have been holding off to app for the CSP.
When I app, I will be using my same and old address, where I do not pay rent or have a mortgage. How should I indicate on the application? I feel like if I put own and there is no mortgage on my credit pull they may seem odd to them.
Ex Fico is 761-Lender pull with 5 Inq, one recent (within a month).
I have a 9K CL on my SPG, do you think they'll match?
Thank you!
I apped for a chase card after closing on my home in Jan 2012... the system gave me a 7-10 day message. I called the recon line immediately.
I had to sent in the utility statement and a copy of my drivers license.
Do Not, and I repeat, Do Not put down "no mortgage" when you know that you will be responsible for a mortgage payment.
That is considered un-ethical.
I think you should apply for the card with the expectation that it will not be an automatic approval, but then you should call recon line and check status immediately.
On my application in particular, the mortgage payment that I listed did not match my credit report, as I was converting the house with the other mortgage into a purely rental property. This likely triggered the verification for identity purposes.
@webhopper wrote:I apped for a chase card after closing on my home in Jan 2012... the system gave me a 7-10 day message. I called the recon line immediately.
I had to sent in the utility statement and a copy of my drivers license.
Do Not, and I repeat, Do Not put down "no mortgage" when you know that you will be responsible for a mortgage payment.
That is considered un-ethical.
I think you should apply for the card with the expectation that it will not be an automatic approval, but then you should call recon line and check status immediately.
On my application in particular, the mortgage payment that I listed did not match my credit report, as I was converting the house with the other mortgage into a purely rental property. This likely triggered the verification for identity purposes.
+1
Thank you all kindly for the feedback. Wasn't attempting to deceive, was seeking advice from the experts if I should apply as it matches on my credit report. I am sure it could raise a red flag that I am reporting that I have a mtg payment when nothings shows.
A recent mtg inq is not a disqualifying thing, correct?
As for the address, I will use my old address as I am not moving to the new property for about a month. Is this any type of a problem?
Why not just wait a couple of months? Is this something you absolutely have to do right now? I'm no credit expert, but it seems to me, it would be good to let the mortgage report a few months with on-time payments, and having the new credit mix, before applying for a prime card.
Just my thoughts.