Under the credit references section, there’s 1 spot each for savings account, checking account, credit card, and auto loan. I paid cash for my car so there’s no loan there. I don’t have any conventional credit cards (Discover, Visa, AMEX, etc.) just a store credit card for Firestone (an auto repair/tire shop). Should I include the Firestone card? The card is issued by Credit First National Association, if that matters…
Quick House Sale
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Under auto loan, write “paid in full.” List your bank(s) for checking & savings. List the issuing company (Credit First National Association) for the credit card. Better yet, if you have a Visa or MasterCard debit card from your bank checking account, list it as “Visa” or “MasterCard” as appropriate with your bank name. If you have a checking acct in good standing, you should have a debit card, not just an ATM card.
Include anything that demonstrates your ability to pay your bills on time….make sure if you include a card that its not maxed out. You should only have about one third of your credit limit used up on the card….meaning if your limit is 1000….should have no more than 330 dollars used on card…
Where I work we use a standard application from the apartment association. It has a section like that too but I tell applicants not to fill it out because it’s not necessary for us. We’re pulling a credit report and that’s how we judge their application. I personally have never filled out that section on anything I’ve ever applied for and its never been an issue because my credit is always what’s looked at. I would suggest asking the place you’re applying at if they need it.