Comment on Anon tries to understand credit scores

• boonhet@sopuli.xyz ⁨2⁩ ⁨days⁩ ago

  To take part in manual underwriting, you’ll need to provide the following information:

  • History of regular housing and other payments to creditors, such as cellphone providers, utility companies and landlords
  • Bank account statements to demonstrate cash savings
  • Two years’ worth of tax returns
  • Proof of employment, such as a verification letter from your employer, that applies to the previous two years
  • Prior 30 days’ worth of pay stubs
  • Verification of self-employment income, such as tax and other financial documentation
  • Financial and credit information for a cosigner with good credit, if you have one, which could help strengthen your application

  That sounds hella invasive. The banks get nowhere near as much info here unless you use a bank you already have an account in, in which case they have access to that account’s information. Otherwise standard is 6 months of data.

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