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
- Debt-to-income ratio
- Negative items on your credit report
Climb will not disclose your information to your co-borrower and vice versa. We encourage you to give us a call, and we can help you understand the information contained in the AAN.