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Anonymous
Applying for Home Loan 2017-08-12 09:25:16 Post No. 3038697
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Applying for Home Loan 2017-08-12 09:25:16 Post No. 3038697
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anyone have any advice or experience with getting pre-approved for a mortgage?
I called my bank yesterday and since my GF & I only have 1 credit card each & aren't making payments on anything they want 3 letters of 'Alternative Credit' from companies we pay every month that go back a year.
The only thing she has is the gym, and has only been paying her car insurance 3 months.
I have all the utilities etc in my name and I added her name to them, but not sure if they will notice she just got added if they send me a letter.
We each have good credit (mine is 791, her is 747) & we make decent money (120k combined with salaries) and I make an extra ~20k a year freelance.
We each have 0 debt.
Seems like we should qualify easy but since we each only have 1 credit card we ran into this problem.
Anyone dealt with anything similar or know the best action to take? I'd rather not open up a credit card now and wait a year.
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>>3038697
They're telling you to fuck off without violating some federal laws.
tl;dr apply for 2-3 credit cards in just your name.
Don't apply with your gf.
Account from application to appearing on your credit report takes about 8 weeks
Apply for 2 from Chase (3+ applications denies all, freedom and southwest is good.)
Apply for two from Capital one (Venture and such.)
1 from AMEX (2+ application voids all)
And 2 from Citi bank.
TDameritrade/Target is ok.
Walmart Credit card is not good.
/r/churnung on reddit has some good cards.
Whatever you submit will not get approved. Don't waste your time.
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>>3038740
won't applying for a bunch of credit cards destroy my score?
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