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#DIVVY CREDIT FULL#
Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. What to do when you lose your 401(k) matchĪt Bankrate, we have a mission to demystify the credit cards industry - regardless or where you are in your journey - and make it one you can navigate with confidence. Should you accept an early retirement offer? If there is an attempted eviction in the past year an applicant would not qualify.How much should you contribute to your 401(k)? Divvy Homes does not have a “no prior felonies” policy for applicants.Ĭourt Records: In addition to no evictions in the previous year, Divvy Homes looks at the number of recent attempted evictions as part of its application review. The company evaluates the recency and severity of convictions when reviewing an applicant’s criminal record. Depending on the type of felony a customer with a prior felony may still qualify for Divvy Homes. Factors similar to recent delinquencies, the types of loans recently delinquent, and the number of successful loans in an applicant’s credit history are used when assessing an application.Ĭriminal Background Check: To qualify for Divvy Homes an applicant must pass a criminal background check. If your client surpasses this, we can expect their finalized budget will not qualify them for their metro minimum.Ĭredit Report: Divvy Homes looks beyond just an applicant’s FICO score when assessing an application. In addition to the criteria above, Divvy Homes also evaluates the following:ĭebt-to-Income Ratio: Divvy has a maximum DTI of 50% for all clients.
No bankruptcy in the past year (must be 1 year out from discharge date)
Minimum FICO2, FICO9, and Vantage4 scores of 550ģ months of stable employment with a minimum of $2,500 in monthly income (may vary per metro)Ĭustomers can add multiple income sources including self-employment, though self-employed income can take a little longer to verifyĪ maximum monthly debt-to-income ratio of up to 50% including a potential Divvy Homes payment When evaluating applicants, Divvy Homes uses the following criteria:
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