Posts by Sam Davis4

Yeah, I get what you mean... but I guess that won't really be an issue.

Just wanted to say thanks for all the advice; my loan finally went through.

You guys actually ended up helping me out... I'll let you know how things play out. They told me they should have an answer by tomorrow or the day after regarding what the credit board decided.

It feels like they're just pushing everything toward getting us to sign up for more credit. xD I guess anyone else here dealt with this kind of stuff before?

My personal banker just let me know she received the confirmation and is sending the request off for processing, though she mentioned I might still need a co-signer, even though I already set up a life insurance policy to cover the loan.

Hey, does anyone know what it actually means when a bank asks for an exception regarding a loan?
So, I’m trying to get a $21,000 unsecured loan through Bank of America, but they just told me that HROK is being difficult because of some old debt I had with Amex—which, for the record, has been fully paid off. I do occasionally run a bit into the red on my checking account, sometimes dipping past the limit toward the end of the month, but I always settle it up within three or four days. I guess I'm wondering what you all think my chances are of getting this approved? My average monthly pay is about $1867, and the monthly payment should be around $667. I don't have any other loans, credit cards, or anything like that. The only thing really weighing on me is that they mentioned needing to file some kind of exception now.