05-17-2013 11:49 AM
I am new to this site and after reading about credit recon, I decided to try it out. I have been denied for the Disney Chase card before because of a discrepancy between my name/maiden name after getting married, but I decided to apply for it again today and then I called the backdoor line.
I asked the man what I needed to do to aid the process and he said that all they needed was a proof of income, which I could fax to them. On the original app I put my total gross household income on the app because I was told that if you could use your spouse's income to pay off the card, that you could put that down. The man, however, told me that I could only send in my individual income, which will be of course less than what my gross household income is.
Will I be denied if they do not match up? Or was he wrong and I can send in both of our income info? Also, he was not very clear about what I should send in other than a W-2 as proof, is there anything else I can send?
Thank you so much for helping me with this. I am new to this site, but I really appreciate all of the info I have found so far.
Side note: My most recent credit score is 723- the things hurting me are that I only have a few established years of history and I am not utilizing my credit as much as I should.
05-17-2013 02:24 PM
I don't think the Disney card is that hard to get approved? What is causing the problem? Too many INQ? BK still reporting? at 723 if its a real FICO score should be an instant approval.
05-17-2013 02:55 PM
05-17-2013 04:13 PM - edited 05-17-2013 04:13 PM
Welcome to the MyFICO community forums!
A recent amendment to the CARD Act allows HHI to be included on credit card applications. The credit card companies have 6 months to comply.
If I were in your shoes I would send both yours and your husbands W-2, along with a recent utlity bill or bank account statement in your name.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.