@AzCreditGuy wrote:@bourgogne Congrats unsure how you got that because the guy on the phone basically said I would never get anything lower than 10% APR and I would have to provide 3 months of bank statments as opposed to the 1 month they had before COVID19 hit. Sorry but I still think theres wrong information on this post (After COVID19) to point others in getting a LOC on the terms you received. I just applied to see what I would get..Ill update the post as soon I find out
I am not pointing anyone to do anything. I got it because everyone & everyday is different. my loan funded in 7/19. I uploaned a t-mobile bill and the splash page from a chase business checking account that had a $103 balance. this is what I consider no docs. pay stubs and taxes are what I consider docs. the checking account is to provide linkage for auto-pay, nothing more. they wanted to see 2 phone #s. they sp'ed me in-line during the app. the conditions could not be more simple. that is what I alluded to over a year ago and nothing has changed in my perspective. I know 8 people that have this same loan and had similar experiences. my scores never change more than a few points, the people I know have similar scores, all over 800.
do you have the same scores? not getting the result you desire does not mean a post has false data. everyone has different rusults in life in everything
@bourgogne Your Transunion is slipping... down from 847 to 846 from 7 months ago. Do we need to get you some credit counseling?
bizcredit11
@bizcredit11 wrote:@bourgogne Your Transunion is slipping... down from 847 to 846 from 7 months ago. Do we need to get you some credit counseling?
bizcredit11
lol right? what the heck are you up to? never figured that one out, if I let just let my cards all report tu knocks me down every time
@bourgogne wrote:
@AzCreditGuy wrote:@bourgogne Congrats unsure how you got that because the guy on the phone basically said I would never get anything lower than 10% APR and I would have to provide 3 months of bank statments as opposed to the 1 month they had before COVID19 hit. Sorry but I still think theres wrong information on this post (After COVID19) to point others in getting a LOC on the terms you received. I just applied to see what I would get..Ill update the post as soon I find out
I am not pointing anyone to do anything. I got it because everyone & everyday is different. my loan funded in 7/19. I uploaned a t-mobile bill and the splash page from a chase business checking account that had a $103 balance. this is what I consider no docs. pay stubs and taxes are what I consider docs. the checking account is to provide linkage for auto-pay, nothing more. they wanted to see 2 phone #s. they sp'ed me in-line during the app. the conditions could not be more simple. that is what I alluded to over a year ago and nothing has changed in my perspective. I know 8 people that have this same loan and had similar experiences. my scores never change more than a few points, the people I know have similar scores, all over 800.
do you have the same scores? not getting the result you desire does not mean a post has false data. everyone has different rusults in life in everything
So your saying in order to get your terms you have to be at 850? Lol Havent gotten any results yet with PNC as they still are looking at my documents...Dont want to waste a pull just to show but my 3 are in the upper 700s... Lets see what they get me
@AzCreditGuy wrote:
@bourgogne wrote:
@AzCreditGuy wrote:@bourgogne Congrats unsure how you got that because the guy on the phone basically said I would never get anything lower than 10% APR and I would have to provide 3 months of bank statments as opposed to the 1 month they had before COVID19 hit. Sorry but I still think theres wrong information on this post (After COVID19) to point others in getting a LOC on the terms you received. I just applied to see what I would get..Ill update the post as soon I find out
I am not pointing anyone to do anything. I got it because everyone & everyday is different. my loan funded in 7/19. I uploaned a t-mobile bill and the splash page from a chase business checking account that had a $103 balance. this is what I consider no docs. pay stubs and taxes are what I consider docs. the checking account is to provide linkage for auto-pay, nothing more. they wanted to see 2 phone #s. they sp'ed me in-line during the app. the conditions could not be more simple. that is what I alluded to over a year ago and nothing has changed in my perspective. I know 8 people that have this same loan and had similar experiences. my scores never change more than a few points, the people I know have similar scores, all over 800.
do you have the same scores? not getting the result you desire does not mean a post has false data. everyone has different rusults in life in everything
So your saying in order to get your terms you have to be at 850? Lol Havent gotten any results yet with PNC as they still are looking at my documents...Dont want to waste a pull just to show but my 3 are in the upper 700s... Lets see what they get me
your scores are more than enough, I talked with a number of people at pnc and it was said more than once that they approve profiles that make sense, that the dti, exposure, income all fall into place. kind of makes sense, I have seen a fair # of credit reports helping friends and such and some just look better than others. as long as your debt in under control then I am sure you get approved
