@longclimbback wrote:
I got a hard copy of my application today and I did check self employed so it makes me question why they would ask for w2's instead of tax documents. I also got my credit score paper and it said 809. It also says that's better than 79% of population. I find it hard to believe that 1 in 5 people have 808 or better fico scores. Anyways I plan on sending my tax papers in on Monday and see what happens.
@longclimbback Dont just send papers. Call them first, explain what's on your app and what you can submit vs. what they are asking for
You're running the risk of them going " This is not what we asked for" even though you're providing a type of document that's by far above what they are asking.
As to why, they have template requests. it's possible wrong one was used. That's why it's important you call first. If they tell you it's okay, just send a brief introductory letter with your paperwork stating something like " Per my conversation with CSR So and so, I was told these documents were acceptable"
Their calls are recorded, and every action on website is tracked, so no need to worry if they will have the record of your conversation
As an example, I started app for car loan, about 5 min into it decided I wanted to wait another week or so, got a call next day asking if I required any assistance with my application that never happened.
BECU documents that they documented. True story.
As much of pain as they can be at first, it's worth it in the long run. Once lending and fraud move on, it's smooth sailing all the way.
