@KillerCut wrote:with the new rule from last year. say they ask for pay stubs or start a financial review, and I am between jobs at the moment, or actually self employed, can I provide my spouse's pay stubs?
Which lender? Is your spouse on the account? Do you file joint taxes?
Are you self-employed or unemployed?
@KillerCut wrote:lets say alliant credit union. technically i will be self employed in like 2 weeks. I want to get their 0% 12months.
the rule kinda says they can generalize "Income" but they cannot specify "individual income". so technically i can use household income on any cc app right?
What rule are you referring to? And when are you applying, while your are unemployed? What are you going write down as employer?
Hmm, I'm going to be faced with a similar situation (without anyone else's income that I can suggest is partially mine) and as self-employed (which won't be technically right in my case, sigh) you can always furnish your last two years tax returns; however, I'm not certain how that works if you are recently self-employed and your tax returns were of the standard W2-type corporate employee variety.
What I would suggest is to look into business cards such that you can keep your expenses (potentially deductable) rigorously seperate: it will make it much easier if you do ever have to go 12 rounds with the IRS... in my case I'll walk down the street and talk to Chase where I have my personal accounts about a Ink Cash card: given that it's a new business venture, likely isn't the same income verification requirements for a personally guarunteed card.
