Why wasn't I approved?

If you're asked to reapply with a co-borrower, or are approved for a reduced loan amount, we will send you an Adverse Action Notice (AAN) listing the reasons you were not approved for the amount requested. These may include:

• Credit Score
  • Read more: "How to Strengthen Your Credit Score"
• Debt-to-income ratio
  • Read more: "Debt-to-Income Ratio (DTI): What It Is and Why It Matters"
• Negative items on your credit report
  • Read more: "Removing Late Payments From Your Credit Report"

Climb will not disclose your information to your co-borrower and vice versa. For more information on how to qualify for a loan, click here!