You have the option of using our online tool to securely upload.
What is needed?
A copy of a utility bill in your name dated within the last 30 days is needed to verify the address you submitted.
Why is it needed?
In processing your offer request, we discovered the address on your form does not match the address listed in one or more of the credit reports that we used.
In order to verify that the address on your form is your correct and current address, we are requiring that you provide proof of your residence.
If this is simply a case of your address being incorrect on your credit report, you may want to inform the credit bureaus below of your correct address:
Experian
P.O. Box 2022
Allen TX 75013-0036
(888) 397-3742
Equifax
P.O. Box 740241
Atlanta GA 30374-0241
800) 685-1111
TransUnion
2 Baldwin Place
P.O. Box 1000
Chester PA 19022
(800) 888-4213
W-2 Employees: You must provide a copy of your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date. A 90-day history is required to include overtime, commission, and bonuses. From January through April, a W-2 or year-end pay stub from the prior year (in addition to the most recent pay stub) is necessary to include income other than base salary.
W-2 Employees with Handwritten Pay Stubs: If you receive non-computer-generated pay stubs, you must submit a signed and dated letter from your employer on company letterhead stating your name, date of hire, year-to-date income, pay frequency, and taxes withheld. In addition, we must receive either (1) copies of your three most recent complete bank statements reflecting consistent, consecutive deposit amounts, or (2) copies of your three most recent concurrent cashed handwritten paychecks.
1099 Employees: You must be employed with your current employer for at least 90 days, provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts, as well as a verifiable HR phone number. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.
Self-Employed: You must be self-employed for at least two years and provide copies of your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts. Please note: in order for 1099 income to be considered, "self-employed" you must have selected it as the "employment status" when submitting your information.
New W-2 Employment Income: If you have not received your first pay stub, you must submit a letter of employment or offer-letter signed and dated on company letterhead stating your name, start date, base pay, and a verifiable HR phone number. You must have already started your new job. We will not accept a pay stub from a previous employer.
Second Job: Income from a second job will be considered if you have been employed at the secondary job for a minimum of six months.
Tip Income: For tip income to be considered, it must be included in your earnings listed on your pay stub.
Temporary Workers: If you are an employee of temporary staffing agencies, you must be on a full-time assignment and provide a copy of your most recent pay stub showing a minimum of 90 consecutive days of income and taxes withheld. We will not accept a pay stub from a previous employer.
Military Income: For military income to be accepted you must submit a copy of the most recent Leave and Earnings Statement (LES) showing year-to-date income. A 90-day history is required to include income beyond base pay, BAH, and BAS. From January through April, a W-2 or yearend LES from the prior year (in addition to the most recent LES) is necessary to include additional income.
Seasonal Income: You must be currently and actively employed. You must be a W-2 employee with a minimum of 2 years with your seasonal employer. You must provide your previous two years' W-2's, and your most recent pay stub. The pay stub must be computer-generated, include year-to-date earnings and taxes withheld, contain no alterations, and must have been issued within 40 days of the submitted date.
Child Support / Alimony / Foster Care: For child support/ alimony to be accepted, you must submit a copy of the signed and dated court order*, which clearly states the dollar amount to be paid. In addition, you must provide either the three most recent child support/alimony pay stubs, or three most recent months' bank statements showing the deposits. *Only the pages of the court order that contain your name, amount to be paid, judge's signature and date are required.
Social Security Benefit / Permanent Disability / Pension: In order for social security benefits, permanent disability, or pension income to be accepted, you must submit either (1) a copy of their dated benefit letter* (no older than one year from the submitted date) with your name or social security number, and benefit amount or (2) your most recent bank statement that shows the direct deposit(s) indicating source and amount. *If you receive social security income or other benefit compensation on behalf of another person, you must submit a benefit letter with the same criteria showing the amount is payable to you on behalf of that person.
Worker’s Compensation: For Worker’s Compensation to be accepted you must submit a copy of your dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount. Disability must be permanent or partial-permanent.
IRA / 401K / Retirement: In order for IRA, 401K, or other retirement income to be accepted you must submit either (1) your previous year's tax form 1099-R, (2) a copy of their dated benefit letter (no older than one year from the submitted date) with your name or social security number, and benefit amount, or (3) your most recent bank statement that shows the direct deposit(s) indicating source and amount.
Annuity / Trust Fund: In order for income from an Annuity or a Trust Fund to be accepted, you must submit either (1) a copy of a benefit letter (dated within one year of the submitted date) naming you as the beneficiary, and including the source, amount, and term, or (2) three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts.
Union Workers: Salaried union workers who work multiple jobs during the course of the year must submit either (1) copies of all current year pay stubs to establish total year-to-date earnings, or (2) your most recent pay stub along with a letter from Union Local on letterhead that states your name, membership date, and year-to-date earnings.
Income Paid in Foreign Currency: You must provide your three most recent personal bank statements reflecting consistent, consecutive deposits that indicate source and amounts showing the income is being deposited into a U.S. bank and converted to U.S. dollars. A copy of the paystub in foreign currency is not accepted.
Office of Family Assistance (OFA): For OFA income to be accepted, you must submit written documentation from the appropriate state office showing the amount and identification of the beneficiary.
Rental Income: Rental income is considered self-employment income (see above requirements).
Lottery Winnings: Lottery winnings will be considered if you receive regular payments. You must provide documentation from the State Lottery Board showing your name, payment amount, and pay frequency. A one-time lump sum payment will not be considered as income.
Grants & Financial Aid: Grants and/or financial aid income are not accepted.
Capital Gains and Dividends: Capital gains, dividends, and/or any other income reported on a tax form 1099-DIV at yearend is not accepted.
If you did not submit this request for a pre-approval offer with us and think that someone else may have improperly used your identity to request a pre-approval offer, please email us at support@motorcyclegroup.com
Identity theft is a serious national problem. If you think you have been the victim of identity theft, we recommend taking one or more of the following steps immediately:
· Contact the credit bureaus at the numbers referenced above to check for errors on your credit bureau report.
· File a police report.
· You may want to seek the advice of an attorney.
· Visit Visit www.consumer.gov/idtheft, the Federal Trade Commission's Web site on identity theft.