Please CLICK HERE to complete our ACH Originator Self-Audit.
Take Our One-Minute Credit Card Test
Pack Your Wallet With More Buying Power
One-Minute Credit Card Test
Select the answer that best describes your situation in each question below.
When you’re finished, click Add Up My Points.
Dependants (including yourself)
Dependants (including yourself)
Consideration: Dependents add more stability to your situation, but too many will increase your expenses, and directly affect your ability to qualify for a higher loan amount.
Residence
Residence
Consideration: Lenders view “owning” a home as having more stability than “renting”, and therefore they may view you as a better credit risk.
Years At Present Address
Years At Present Address
Consideration: Most Lenders prefer Borrowers residing at their present address for two years or more as a good factor for stability. This also helps to verify your identity.
Years At Previous Address
Years At Previous Address
Consideration: Multiple addresses in a short period of time can be a red flag for Lenders when it comes to the stability of a borrower.
Gross Monthly Income
Gross Monthly Income
Consideration: Lenders look at your gross income when determining how much of a monthly payment you can afford, after your expenses.
Additional Monthly Income
Additional Monthly Income
Consideration: This amount could qualify you for a higher loan amount. It may include your spouse’s income, alimony payments, social security and pension income, disability payments, and investment, rental, and part-time income.
Years With Present Employer
Years With Present Employer
Consideration: Most Lenders prefer that you have stable employment in the same field for at least two years. No matter how reliably you’ve paying off debt, you’ll appear to be a higher risk if you have short periods of employment, or gaps in your work history.
Years With Previous Employer
Years With Previous Employer
Consideration: Most Lenders prefer that you have stable employment in the same field for at least two years. No matter how reliably you’ve paying off debt, you’ll appear to be a higher risk if you have short periods of employment, or gaps in your work history.
Percent Of Monthly Income Remaining After Expenses
Percent Of Monthly Income Remaining After Expenses
Consideration: Lenders want to make sure that you have enough money left over after your monthly expenses, so you will have the ability to repay a new loan. The more money you have left over, the lower their risk.
Bonus Points - Select ALL Products with Us
Bonus Points - Select ALL Products with Us
Consideration: If you already have an account relationship with us, it could mean that we’ll be able to offer you incentives on other products.
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