09-16-2013 01:35 AM
Sounds to me like all this can be fixed once income can be proved and the OP changes personal info to self employed. After those two things are completed, their should be no worries.
09-16-2013 01:36 AM - edited 09-16-2013 01:37 AM
09-16-2013 01:38 AM
ok, so im your opinion Im good for the card, alot of lenders requestion documentation for auto loan refi's/ new purchases..... Should I not worry to much about them asking for income verification for the card, they are overnighting them to me, Im sure if them wanted documentation when I called in they would of asked for it right? Honestly im not worried about refinancing at all, I just fingured I would shoot them an app and see what it comes back.
So you guyes think Im good with the card right? so just forget about the loan?
09-16-2013 01:41 AM
thanks for all your feedback, Im not going to ask for a CLI at all nor am I going to apply for more cards. I just want to keep this 25k siggy for reasons being its my first signature and its by far the highest line I have
09-16-2013 01:41 AM
Yes, I think you are fine with the card. It sounds like a done deal. Just dont charge up a hige balance and pay the minimum payments for 6 months
If you are eligible for NFCU then you should also look into USAA and see if you can get in and refi with them.
09-16-2013 01:42 AM
if they did find out I am self employed whats the worst that can happem? CLD? or just completly close my account granit I plan to establish good payment history with them
09-16-2013 01:44 AM
I have no experience with that so I am not sure of worst case scenario. That is why I believe it would be best to just tell them upfront after establishing a good relationship with them. Once you do that you will be free to not worry about other apps with them. Do what you need to so you can use NFCU to their full potential.
09-16-2013 01:50 AM
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.