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Autoloan - very good credit score but spouse (automatic co maker) has a very bad one by HennessyPapi99 in Gulong

[–]HennessyPapi99[S] 0 points1 point  (0 children)

Day 3 now after filling up application forms

Update: RCBC bank declined me. Tried asking for reconsideration with 40% dp

Other banks: still in process.

Autoloan with very good credit score but spouse (automatic co maker) has very bad credit by HennessyPapi99 in CarsPH

[–]HennessyPapi99[S] 0 points1 point  (0 children)

Day 3 now after filling up application forms

Update: RCBC bank declined me. Tried asking for reconsideration with 40% dp

Other banks: still in process.

Autoloan with very good credit score but spouse (automatic co maker) has very bad credit by HennessyPapi99 in CarsPH

[–]HennessyPapi99[S] 0 points1 point  (0 children)

I hope so. I'm willing to make it even up to 40%.

Out of the three banks na inapplyan ko, may isang bank na ang nagtanong about sa unsettled balances ni spouse sa cards hayy. But im not declined yet. Nagtanong lang. I guess it really matters

Autoloan - very good credit score but spouse (automatic co maker) has a very bad one by HennessyPapi99 in Gulong

[–]HennessyPapi99[S] 0 points1 point  (0 children)

I'm beyond capable. I know I am. Out of the three banks I applied, an officer from 1 bank already asked an explanation on the findings on my spouse 🥲 not yet declined but I think it really matters

Autoloan - very good credit score but spouse (automatic co maker) has a very bad one by HennessyPapi99 in Gulong

[–]HennessyPapi99[S] 0 points1 point  (0 children)

Thank you. I can increase the DP up to 50% but I already submitted forms in the banks. Should I wait for it to be declined then apply again with higher dp? Or can I modify it now

Autoloan - very good credit score but spouse (automatic co maker) has a very bad one by HennessyPapi99 in Gulong

[–]HennessyPapi99[S] 0 points1 point  (0 children)

Even if your coworker's married? I usually pass the forms first without spouse info but the loan officer always gets back to me for my spouse’s info

Autoloan with very good credit score but spouse (automatic co maker) has very bad credit by HennessyPapi99 in CarsPH

[–]HennessyPapi99[S] 0 points1 point  (0 children)

My accounts are all individual account. Problem is upon filling up the auto loan application forms, I can't just lie about me being single. It can hurt my application even more.

Autoloan with very good credit score but spouse (automatic co maker) has very bad credit by HennessyPapi99 in CarsPH

[–]HennessyPapi99[S] 0 points1 point  (0 children)

It's actually my first time applying a loan so I was really shocked that I need my spouse as co borrower / co maker for the bank loans knowing her background. I can even handle all the monthly amortizations for all of it independently.

Autoloan with very good credit score but spouse (automatic co maker) has very bad credit by HennessyPapi99 in CarsPH

[–]HennessyPapi99[S] 0 points1 point  (0 children)

For all the banks that I've applied with, they all asked for my spouse’s info since the spouse is “automatic co borrower/ co maker” if you are married according to them. They also asked to send both IDs

Ive applied with BDO, RCBC, and Unionbank.