Rock the Vote, eh?

[oceantheorem]

I need help.

I applied for a loan with Bank of America in August. Two or three weeks ago I got a letter telling me my loan was declined, for reasons unrelated to credit. I called the number at the bottom of the letter and was told the loan was declined because the bank had been unable to verify my addresses--in the last year I've lived at home, on campus, and here. Apparently three addresses in one year makes a bank queasy. I chatted with the customer service rep, wrote down his instructions, and carried them out carefully and precisely. They consisted of drafting a letter from myself, adding a signed statement from the housing office on campus saying I lived there last year, and faxing the thing to Bank of America.

Today I received an exact replica of the original letter stating the decline of the loan.

I have some options.

1. Tomorrow, I'll call the bank and talk to the customer service rep again. This time I'll fax the statement, a current housing bill if possible, and anything else the customer service rep suggests.

2. I apply for a different loan.

3. I apply for a loan at a different bank.

4. I drop out of school, move back to Reno, and sell my body to pay off my current debts, as I won't be able to get a decent job with 2/5 a college education.

If I don't get some money, after October I won't be able to pay rent or afford food unless I move back to Reno. But by then I'll have been dropped from my classes anyway, as I won't be able to meet the mid-October tuition deadline.

And if you're wondering, the loan I applied for was for enough money to get me through this entire school year--a LOT of money. Enough to cover tuition and food and rent for nine months.

[Poll #357247]

Comments

[kaminoshi.livejournal.com]

{whine} I couldn't get the poll to work...

[oceantheorem.livejournal.com]

Hmm. It worked for me. I picked 1 simply because it was first; this is not intended to influence anyone's vote.

Which option were you trying to choose?

[thebirdnerd.livejournal.com]

As long as you don't go with number 4! (Although it would be nice to have you back in Reno!) :)

[fieryminge.livejournal.com]

damn... i meant to hit #1... goo. and of course, if all else fails, you could move back to reno and be a full-time baby-sitter :)

[round-midnight.livejournal.com]

Hmm, I like the new set-up. Good stuff. And I voted for 1, but really any of them will do. I guess the first 3 are preferable for you...but it would be nice to see you again. So I hope that all works out. Good luck, wot. Talk to you later...
Loves,
Jen

Option four

[brownsteve.livejournal.com]

Moving back to reno would almost justify the other two qualifiers, or maybe I'm just overly melodramatic.

Seriously, though, call them back and try to talk to someone who doesn't live in India. Or Idaho, for that matter.

:-D

[oceantheorem.livejournal.com]

Wow. I hadn't realized you guys wanted me back in Reno badly enough to advise me to sell my body. In a strange and twisted way, I feel loved.

I'll explain this in my next post, but it looks like I might be okay after all--turns out the customer service representative I spoke to was full of s***, and it's his fault I got declined.

Thanks for the support. It really means a lot. You guys are awesome.