bkfriendly

I also dont have 1099's as the profession for plumber is at obviously a different persons home every job, and the one personal care assistant job is for one private individual and no 1099 here as well. Would I be better off (mortgage wise) if I asked for a 1099 when possible, or is this just not an issue

I am wanting to purchase a Home soon and wanted to know about U/W process with Self employment income. I have two schedules-C. I am a licenced plumber and personal care assistant. I report income for both and wanted to know if it is a safe assumption that the U/W's look at the Total income to base thier decision on how much house I qualify for. Or is only the larger $Amount of the two sources looked upon for the loan amount? Thanks

appreciate the advice, way past those subprime days thankfully. guess s/d wont hurt them and if they close on there own for lack of use sobiet

10 open cc lines 1/2 about 4-years old rest 1-2 years old, lowest line are several $5k AAOA 4.4 according to usaa. I for the most part pif but if a b/t offer comes along thats when I may carry a balance for a few months. Actually also thinking of axing my duckcard that survived, it opened at $5k and remains there, its 15 months old used it twice, dont know if i want to blow a hard for a cli, and no auto luv either. I am starting to see more generous cli's with others, and want to toss the ones I think wont grow, as I have about 2% util and $100k in credit and dont want to be future denied for enough available credit on cards I dont/wont use

Now that ive been approved for the venture $10k card @ 20.9%, I would rather not keep my quick silver card that holds the same 20.9% interest, and only a $5k line (started @ 1000 w/ 2-eo cli's), but it is 4-years old this fall w/ perfect history if that matters to my AAOA. dont really use it much, and definitely wont miss it. Now that you can see that I have my mind pretty much made up, anyone have a case for me keeping it, Thx,

actually, now that I think about it, this is only my 2nd instant approval since rebuilding after 10/2010 bk7 discharged, so I definitely will take it

sort of disappointed, but it is my second highest card, thoght my chances of $20k were better than average, but I will take it and be happy!exp froze. also happy about the $400 spend too, and know exactly how i will get there now thatb I now b/t's dont count. Congratulations, You're Approved! CREDIT LIMIT $10,000 PURCHASE RATE 20.9%Variable APR Above are some of your account terms to have handy. Your new Capital One® credit card and Welcome Materials should arrive in 7-10 business days and will have additional information about your account. To view or print information about your other account terms now: Account Opening Disclosures and Credit Score Disclosure

If I just iced my exp this am, is that immediate? or does it take 24-48 hrs to kick in, think im gonna do the venture and report back A $20k limit would allow my to close a couple others for sure that were already scheduled for march-april closure anyway, plus the dg's $10k worked as thought based on info here, .

anyone know if b/t's to the newly aquired venture card approval count toward the $3k spend for the $400 bonus?

ok, well without having to go back and read who was approved with just tu & eq, who are the folks in this boat?

If I have my exp on ice, would that make a diff in decision? or would eq & tu suffice. The DG didnt have any frozen. My scores & limits & income far out way hers, however, she has way less iib's still reporting then I do, thats why we tried her first. On the fence

Been wanting to go for this as well, bt waiting for some other plays, so I had the DG go for it a few minutes ago, she was approved for $10k @ 20.9% with the 40k bonus after $3k spend. Her stats: bk7 discharged 4 years ago.....scores 640-665 across.....75% utility.....4-inq's each cr about a year old & 38.5k income reported Now I really want to app. my income x3 with 2% util & 685-705 across for me, but still hesitant

pm inbound shortly

thank you,that sealed it for me at least for now. Sorry you got declined but you just prevented a lot of other declines. I appreciate it. liz welcome also struck out at nasa too last month, really wanted to top my highest cl which btw is from barclays that was the 1st 5-digit cl... Only thing I can think of holding me under 700+ is 12-iib's still reporting for another 12-16 months...if i had the patience and attention span I would have disputed them off, but cant seem to get with the program, also dont understand the b* game either. Tried to read up on the threads, but as stated, suffer from adhd, very difficult for me

Well, here it is for the "fencers" with similar stats: Applied this am for Premier: 9am (immediately went to 7-15 day) Called just for the heck of it: 3pm.....results: DENIED! (letter coming explaining) transunion only pulled (686-fico) 8-total hp's 2-recent/6-others 12+ months old 16% utility over 4 of 8 cc's BK7 discharged 07/2010 ($85,000 established since over 8-cards & perfect history post bk7) Highest CL $12,500 Income $110,000