RBFCU vs SSFCU?

[datrucking210]

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@Anonymous wrote:
dahighlander?

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Haha, the trucking part is that I drove big rigs for 5 years and I'm still in the same field as a trip planner/dispatcher.

[Anonymous]

Thanks SOBS.

[Anonymous]

@datrucking210

So is Over The Top your favorite movie than? LOL!    

[baller4life]

@Creditluv RBFCU will only accept tax returns for self employed. And they go by your AGI not gross income. They approved me for a car refi @ 1.65%. But, rescinded it because of my AGI. I am an independent contractor for a delivery company and get 1099 instead of w2. I deduct mileage on my taxes. And that AGI is what RBFCU uses. Not my 1099 income. They are the only creditor that has EVER done that to me. I had no problem whatsoever with SSFCU.

[Anonymous]

So their self-employed bigots and they're Indian givers as well!  

Are you an Avon or Mary Kay independent contractor little old lady? Don't lie Baller!  

They're like the only credit union or bank on the planet that would do this.

For SSFCU what type of PLOC or CC did you get with them for an SL and what income verification did they ask from you if any.

Last week with ATFCU I showed no business tax returns or 1099 on my approved 2.09%@36 months $10,000 cashback vehicle refinance (plus no payment for 60 days). I did have the businesses 2015 1099-K merchant account statement, the companies previous month bank deposit statement and an original signed on RBFCU letterhead business deposit income verification from the RBFCU business services manager for the last 4 1/2 years.

The senior loan officer told me they needed tax returns, but because I had a 700+ Experian score he said he always is given wiggle room latitude on deals and he approved the loan (another reason where good credit helps a person and business owner out). That move and he pulled Experian after EQ once I told him how bad Synchrony's reporting system had screwed me over completely saved this deal from being denied.

[baller4life]

Haha @ Creditluv no I'm a driver and deduct mileage on my taxes. I got the low apr Power MC @ SSFCU and regular PLOC. They requested POI and I sent 1099s and tax returns and was approved. They go by gross income and not AGI. Same as NFCU.

[Anonymous]

Uber/Lyft driver?

What were your starting credit line limits?

If you only applied for a CC you wouldn't have to POI with Firstmark would you? I've never in 20+ years of having credit cards ever (nor will I ever) show tax returns for a credit card. Car, mortgage or signature loan yes, but CC hell no.

[baller4life]

Naw I deliver vet supplies to veterinarians. My SSFCU Power MC is $4800 and PLOC is $1k because they say I have too much available credit lol. I don't have any idea about Firstmark. Never dealt with them.

[Anonymous]

I meant SSFCU my bad. I was reading on this thread about Firstmark in SA and I thought the F stood for Firstmark.

[Anonymous]

Side questions does PenFed or NASA require tax returns for their CC's?