Stated income for applications?

[Broke_Triathlete]

Since my BR DC I've always put MY current income on the apps. I have read a few threads here where people apply with their household income. Is this a good thing to do? Would I have to possibly verify what my GF makes if I include her salary with mine?

[Anonymous]

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@Broke_Triathlete wrote:

Since my BR DC I've always put MY current income on the apps. I have read a few threads here where people apply with their household income. Is this a good thing to do? Would I have to possibly verify what my GF makes if I include her salary with mine?

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Best results when you file together.

[Broke_Triathlete]

Hey Nixon. We haven't combined finances yet because we aren't married, however we're heading in that direction. I was wondering in the meantime if that 'tactic' is ok in hopes to help with approvals or CLI's. I definitely don't want to do anything that could hurt me, so that's why I'm asking.

[Anonymous]

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@Broke_Triathlete wrote:

Hey Nixon. We haven't combined finances yet because we aren't married, however we're heading in that direction. I was wondering in the meantime if that 'tactic' is ok in hopes to help with approvals or CLI's. I definitely don't want to do anything that could hurt me, so that's why I'm asking.

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How long have you lived together?

[Broke_Triathlete]

Coming up on 1 year.

[Anonymous]

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@Broke_Triathlete wrote:

Coming up on 1 year.

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Check common law marriage in your state, also check community property.

[ojefferyo]

If the income is accessible to you then put it down. Otherwise just use yours. 

[Creditaddict]

MANY of the banks these days ask for "ALL INCOME SOURCES THAT YOU CAN RESONABLE ACCESS TO PAY BACK DEBTS" = include both incomes.

The only time I would not include combined income is with banks like Amex or credit unions that actually might want to verify.

I also wouldn't seperate out the incomes on the applications, I would just put 1 income total.

[mitchblue]

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@ojefferyo wrote:

If the income is accessible to you then put it down. Otherwise just use yours. 

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Agree. 

[upnorth]

Pardon my asking but how do you apply jointly? I have not seem applications with such an option. I would love to apply jointly with my wife. She just has one credit card on her name. I want make sure her credit score remains good.