Proof of Income for CCC

[Skye12329]

I would honestly do it in that order.

[Anonymous]

Can the lenders really see the inqs seconds apart from each other?

[Skye12329]

Yes based on bureau they pull. That's how you can technically plan somethings by just knowing whom they pull.

Citi IMO is a crapshoot who they pull. Because for me they pull any bureau
Chase primarily pulled Experian for me but when I went for freedom they double pulled and did EX and TU
SMMC is Barclay's so they will pull TU

[Anonymous]

Ahh so it would be best in that order that we previously agreed on. Got it! Thanks for all the help, bud. 

[Anonymous]

By the way, I should only app if Freedom gives $200?  Or should I just take it with just $100 offer? 

[Skye12329]

From possible other threads it sounds like the freedom 200 bonus is around Christmas time? I would app for that bonus I mean its an extra $100 if you wanna wait.

[kdong1996]

Only Capital One has ever asked me for income verification, but that was my own fault.

I think you should apply for the Freedom when they have the 200 bonus, you'd have to spend 2k in 5% bonus categories or 10k in 1%.... They typically have it twice a year, once in the Winter and once in Spring

[Anonymous]

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@kdong1996 wrote:

Only Capital One has ever asked me for income verification, but that was my own fault.

I think you should apply for the Freedom when they have the 200 bonus, you'd have to spend 2k in 5% bonus categories or 10k in 1%.... They typically have it twice a year, once in the Winter and once in Spring

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Thanks for the additional advice/info. ----I might actually have to wait until winter to app.

May I know what sparked cap one to ask you for income proof?

[kdong1996]

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@Anonymous wrote:

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@kdong1996 wrote:

Only Capital One has ever asked me for income verification, but that was my own fault.

I think you should apply for the Freedom when they have the 200 bonus, you'd have to spend 2k in 5% bonus categories or 10k in 1%.... They typically have it twice a year, once in the Winter and once in Spring

---

Thanks for the additional advice/info. ----I might actually have to wait until winter to app.

May I know what sparked cap one to ask you for income proof?

---

I didn't check to make sure my Freedom had reported the paid $0 balance, it was at 3k/3.7k the previous month. I reported a 16k income back then

[Anonymous]

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@kdong1996 wrote:

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@Anonymous wrote:

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@kdong1996 wrote:

Only Capital One has ever asked me for income verification, but that was my own fault.

I think you should apply for the Freedom when they have the 200 bonus, you'd have to spend 2k in 5% bonus categories or 10k in 1%.... They typically have it twice a year, once in the Winter and once in Spring

---

Thanks for the additional advice/info. ----I might actually have to wait until winter to app.

May I know what sparked cap one to ask you for income proof?

---

I didn't check to make sure my Freedom had reported the paid $0 balance, it was at 3k/3.7k the previous month. I reported a 16k income back then

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Ahh I see, so it reported debt along with the low income?