TRIBUNE CREDIT UNION
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Credit Application
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Book #_______
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Note #______
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Date___________
Married Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit. Individual Credit: Complete Applicant section. Complete Co-applicant, Spouse, Guarantor (referred to as "Other") section: (1) about your spouse if you live in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), or (2) if your spouse will use the Account. Please check the box to indicate whom the information is about. Joint Credit: Provide information about both of you by completing Applicant and Other section.
You REQUEST AN ADVANCE OF $____________________ Purpose: ______________ For a period of: _________ Installments of: _______________ Collateral: __________________________________________________________ Repayment: Payroll Deduction Cash Automatic Payment Military Allotment Check coverage if desired. The credit union will disclose the cost of this voluntary insurance to you. A separate [] Credit Disability Insurance insurance election which discloses the terms and conditions must be signed for coverage to become effective.
APPLICANT
[]CO-APPLICANT []SPOUSE []GUARANTOR
Please print in ink or type NAME (Last - First - Initial)
Please print in ink or type NAME (Last - First - Initial)
DRIVER’S LICENSE NUMBER/STATE
DRIVER’S LICENSE NUMBER/STATE
ACCOUNT NUMBER
ACCOUNT NUMBER
BIRTH DATE
SOCIAL SECURITY NUMBER
HOME PHONE
BUSINESS PHONE (EXT)
PRESENT ADDRESS (Street - City - State - Zip)
BIRTH DATE
Years at this address
SOCIAL SECURITY NUMBER
HOME PHONE
BUSINESS PHONE (EXT)
PRESENT ADDRESS (Street - City - State - Zip)
Years at this address
OWN [ ] RENT[ ] PREVIOUS ADDRESS (Street - City - State - Zip)
OWN [ ] RENT [ ] PREVIOUS ADDREES (Street - City- State- Zip)
OWN [ ] RENT[ ]
OWN [ ] RENT [ ]
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMNITY PROPERTY STATE.
COMPLETE FOR JOINT CREDIT, SECURED CREDIT OF IF YOU LIVE IN A COMMUNITY PROPERTY STATE.
MARRIED [ ] SEPARATED [ ] UNMARRIED Single - Divorced - Widowed) [ ]
MARRIED [ ] SEPARATED [ ] UNMARRIED Single - Divorced - Widowed [ ]
LIST AGES OF DEPENDENTS NOT LISTED BY OTHER APPLICANT (EXCLUDE SELF)
LIST AGES OF DEPENDENTS NOT LISTED BY OTHER APPLICANT (EXCLUDE SELF)
Name and address of employer
Name and address of employer
Starting/Ending Date Title/Grade
Starting/Ending Date Title/Grade
Supervisor
If employed in current position less than five years, complete previous employer name and address.
Name & address of creditors of debts paid off
Starting/Ending Date Phone
Supervisor
If employed in current position less than five years, complete previous employer name and address.
Name & address of creditors of debts paid off
Starting/Ending Date Phone
Name & address of nearest relative not living with you. Phone-Relationship
Name & address of nearest relative not living with you. Phone-Relationship
Name & address of personal friend - not a relative
Name & address of personal friend - not a relative
tcu CRAPP.WPS
Phone
Phone
Income Information APPLICANT
[ ]CO-APPLICANT [ ]SPOUSE [ ]GUARANTOR
Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Attach a copy of your current pay stub
Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered. Attach a copy of your current pay stub.
EMPLOYMENT INCOME $ per Gross
EMPLOYEMENT INCOME $ per Gross
OTHER INCOME $ Source
per
OTHER INCOME $ Source
per
Assets
Check box for applicant/other. List all assets and account number(s) - Attach another sheet if necessary. NAME & ADDRESS OF INSTITUTION NAME & ADDRESS OF INSTITUTION Checking Account Checking Account $_____________________________________________________ $_______________________________________________________ Saving Account Saving Account $_____________________________________________________ $_______________________________________________________ Applicant
Other
Home
Home & all items owned & location of property (for example auto, boat, stocks, bonds, cash, household goods, real estate, etc.)
Market Value
Pledged as collateral for another loan.
yes
no
Debts In addition to Rent/Mortgage list all other debts (auto loans, credit cards, second mortgage, alimony child support, child care, medical, utilities, auto insurance, etc.) Please use a separate line for each credit card and auto loan. Attach other sheet if necessary. Applicant
Other
Rent/Mortgage including tax & insurance
Creditor: Name & Address
Account Numbers
Original Balance
Present Balance
Monthly Payment
If past due
TOTALS Financial Information: These questions apply to both Applicant and Other. If “yes” answer is given to a question, explain on attached sheet.
APPLICANT
OTHER
Have you any outstanding judgments? Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13? Have you had property foreclosed upon or repossessed in the last 7 years? Are you a party in a lawsuit? Are you other than U.S. or permanent citizen? Is your Income likely to decline in the next two years? Are you a co-maker, co-signer or guarantor on any loan not listed above? (for whom, to whom?)
___yes ___yes ___yes ___yes ___yes ___yes ___yes
___yes ___yes ___yes ___yes ___yes ___yes ___yes
___no ___no ___no ___no ___no ___no ___no
___no ___no ___no ___no ___no ___no ___no
Signatures If there are any important changes you will notify us in writing immediately. You also agree to notify us of any change in you name, address or employment within a reasonable time thereafter. You also promise that everything you have stated in this application is correct to the best of you knowledge and that the above information is a complete listing of your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update renewal or extension of the credit received. If you request the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a Federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Charted Credit Union insured by NCUA.
X
Date___________X
Date_____________
Credit Union Information: Do not write in this section – for credit union use only Signature_________ Line of Credit_________ Other_________ Debt Ratio_________ Loan Officer Advance Approved Yes No Counter offer will be made, if accepted Advance approved Credit Committee or Other Outside Information Considered Yes No If yes attach additional sheet and describe Referred to/reasons for rejection_____________________________________________________________________________________ Describe Counter offer ____________________________________________________________________________________________ Specific Reason for Rejection_______________________________________________________________________________________ Loan Officer X________________________________Date_____________X________________________________Date____________ Credit Committee X____________________________Date_____________X________________________________Date____________ ECOA Notice and reason for rejection sent or delivered on: (Date)By Initials