NFCU approved 25k.....but....

[azguy13]

Sounds to me like all this can be fixed once income can be proved and the OP changes personal info to self employed. After those two things are completed, their should be no worries.

[09Lexie]

That's exactly what I was talking about -no taxes or YTD pay stubs will be a problem for OP if they ever ask

[creditwatcher2012]

ok, so im your opinion Im good for the card, alot of lenders requestion documentation for auto loan refi's/ new purchases..... Should I not worry to much about them asking for income verification for the card, they are overnighting them to me, Im sure if them wanted documentation when I called in they would of asked for it right? Honestly im not worried about refinancing at all, I just fingured I would shoot them an app and see what it comes back.  

So you guyes think Im good with the card right? so just forget about the loan?

[creditwatcher2012]

thanks for all your feedback, Im not going to ask for a CLI at all nor am I going to apply for more cards.  I just want to keep this 25k siggy for reasons being its my first signature and its by far the highest line I have 

[azguy13]

Yes, I think you are fine with the card. It sounds like a done deal. Just dont charge up a hige balance and pay the minimum payments for 6 months

If you are eligible for NFCU then you should also look into USAA and see if you can get in and refi with them.

[creditwatcher2012]

if they did find out I am self employed whats the worst that can happem? CLD? or just completly close my account granit I plan to establish good payment history with them 

[creditwatcher2012]

another guy told me about USAA? whats the deal with them? they dont verify income right?

[azguy13]

I have no experience with that so I am not sure of worst case scenario. That is why I believe it would be best to just tell them upfront after establishing a good relationship with them. Once you do that you will be free to not worry about other apps with them. Do what you need to so you can use NFCU to their full potential.

[creditwatcher2012]

I most definately will!

[09Lexie]

They could freeze your account, AA or CLD IF the income cannot be proven. You could get away with saying you made mistake by not saying self employed. Problem will come in when trying to explain any huge income discrepancy