夫妇两人加俩孩子,还有一方的uncle,一共三个大人2个孩子来申请。
用mysmartmove.com做的背景调查,结论是没有eviction没有犯罪记录,收入是房租的3.5倍,年收入$126624。我按照已经交上来工资单计算,验证收入至少是房租3倍多。
但是,三个人的信用都很低。只有uncle过了580, mysmartmove认为可以接受。给老公的结论是conditional(包括他的SSN和在案的不符合。),给老婆的结论是 low accept.
第一次自己查别人信用,不知道该如何做了。
老婆: 信用卡balance $969,还有5个collection,都是tmobile/camcast/sprint 共欠2347
555
|
Too many serious derogatory items
Not enough retail debt experience
Number of satisfactory accounts is too low in proportion to total number of accounts
Not enough installment debt experience
|
老公:信用卡欠$899 共有 2个collection,一个camcast 一个银行。 共欠692
536
|
Not enough retail debt experience
Too many serious derogatory items
Too many inquiries
Too many recently opened accounts in proportion to total number of accounts
|
uncle:credit card balance $1730, 另外有2个collection, 是银行(信用卡?) 共欠$2313
583
|
Not enough available installment credit
Too many serious derogatory items
Number of satisfactory accounts is too low in proportion to total number of accounts
Too few retail accounts recently updated
|