There are certain procedures to follow when you want to avoid being declined for bad credit. Cosmetic Surgery is an expensive and delicate procedure, so you do want to make sure you get that physician of your choice and not some silly old quack from abroad who messes you up instead of enhancing your looks.
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Here is a list of a few things to consider when filling out your loan application:
- Include all relevant people partaking in the expenses of your household on your application form
The number one point looked at in your application is the ratio between your income and the debt incurred. A trick to maximize your income on the paper is to include any people partaking in any of your living costs.
So if you do not live alone, are married, have friends, roommates siblings who live with you and coparticipate in your household it is important to mention them in your application because they might make a difference on your income/debt ratio.
- Turn the answers into your favor
Similar as above, you need to make a thurough brainstorm of all the sources of income that you have. This might include social security, a roommate’s co-pay, money from a trust. Whatever. Make the numbers count in your favor, not against it.
- Include the information of your desired Physician in your application form
By chosing a physician previous to your loan application, you create a whole series of advantages for yourself. First of all, you avoid being tossed into the russian roulette of finding a good physician. Second, by chosing the physician yourself you gain insight over the treatment procedures which might differ from physician to physican depending on the procedure you are having done. Third, you are able to give a specific figure of the costs of the procedure instead of submitting yourself to an estimated number which might backfire on you at a later time when you are looking at the actual bills presented.
- Stop applying in other places
The credit score companies follow a system where they automatically assume that you get accepted when you make a credit inquiry. Since receiving another loan puts more weight on your credit score, any inquiry alone lowers your credit score. So keep those inquiries at a minimum. Only make inquiries if you are absolutely know what you want to have done.
- Make sure to fill out the form completely
Leaving gaps in your loan application might slow down the process or cause complications. So do not incurr any risks, make sure your application is filled out properly before you send it in.
- Use your current home address
It is always a good idea not to move very often, since having a stable address increases your chances of getting a positive response to your application. PO Boxes should be avoided completely because they do not represent an actual living address.