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Reply to "Woah, Navy Federal is hella racist"
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[quote=Anonymous]Getting loans approved involves a lot more than just income and credit score. Even if black applicants didn't have lower credit scores (which they do), you have to stay on top of things throughout the process - verify your assets, bank accounts, pay stubs, tax returns. You must not have above a certain percentage of other outstanding debt (perhaps black applicants more likely to have large car loans?). You must prove where your financing comes from - that it isn't a family member loaning you money. You have to be careful not to take out new credit or loans while you are going through the approval process (many people make this mistake because moving requires other outlays - that 0% for 12 months furniture store credit card is awfully tempting). There are numerous steps at which the process could go awry and certain groups may be more likely to make these admittedly seemingly small errors that derail the loan approval[/quote]
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