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- Jul 18, 2012
So im gunna pop the question finally to my old lady and starting to realize my bull headed approach to spending as little as possible on an engagment ring is just not gunna fly hah in light of this i decide to take out a small personal loan.
Now im only talkin 5k or so and have pretty good credit so i m thinkin no problem. I do the lending club rate approval thing and they deny me immediately and send email saying I have too few number of open trades...
My credit score is 727. I dont make alot of money anymore but i also dont have much debt. My total debts are about half of my annual income. When they calculate the dti im not sure of they use monthly or yearly figures but i dont get it.
What should i do? Open another credit card and jus dont use it n wait for the hard inquiry to drop off?
I couldddd jus save the money but aint nobody got time fo dat. Thought this was america
Thoughts?
Now im only talkin 5k or so and have pretty good credit so i m thinkin no problem. I do the lending club rate approval thing and they deny me immediately and send email saying I have too few number of open trades...
My credit score is 727. I dont make alot of money anymore but i also dont have much debt. My total debts are about half of my annual income. When they calculate the dti im not sure of they use monthly or yearly figures but i dont get it.
What should i do? Open another credit card and jus dont use it n wait for the hard inquiry to drop off?
I couldddd jus save the money but aint nobody got time fo dat. Thought this was america
Thoughts?