Credit Application Entry - Co-applicant

Access

Tabs:  Personal, Residence, Employment, Reference, Miscellaneous

Use this routine to enter or update a credit application for a co-applicant. Information on the specified customer appears in the header area of this screen. Use the Personal, Residence, Employment, Reference, and Miscellaneous tabs to collect the appropriate information.

This program displays customer information as it appeared at the time the application was entered into the system.  If you re-access an application and the customer's record in the Customer Settings was updated in the meantime, the application does not reflect the changes.

This process generates credit request comments each time you create a credit application or access an existing one.

When entering a credit application, the system prevents you from entering a date more than 100 years in the past.

You can access this screen via the Enter a Sales Order process but you cannot access the sales order process from this screen.

When a co-applicant or co-signer is removed from the credit application all financed sales orders are placed on C4 credit hold.

Header Area

The header area contains information on the selected applicant, co-applicant, or co-signer.  The same information appears in the header area of each tab in the routine, and cannot be edited within this routine.

Customer Number, Name, AddressThe customer number, primary applicant's name, address, and co-applicant's name display from the Request Credit Information routine.  

Personal

Your entry settings on Credit Application Control Settings determine the necessity of each of the following fields (optional, mandatory or not needed).

Social Security #, Social Insurance #The field label "Social Security #" displays when processing with the United States as your "home" country, or displays "Social Insurance #" when processing with Canada as your domestic country.

Enter the co-applicant's social security/insurance number. You must specify a 9-digit number. Note that this program does not display the entry as a masked number.

Date of BirthEnter the applicant's date of birth in MM/DD/YYYY format. If the age of the applicant calculates to less than 18 years, a warning message appears and a different date must be entered.

Driver's LicenseEnter the co-applicant's driver license number.  You can enter up to 25 alphanumeric characters.

GenderUse this field to specify the gender of the co-applicant. Click the arrow to choose Male or Female.

Marital StatusUse this field to specify the marital status of the co-applicant.  Click the Arrow button to choose from Single, Married, Divorced, Widowed.  

# of DependentsEnter the number dependents for the co-applicant. You can enter any number from 0 to 99.

EmailEnter the applicant's e-mail address.  You can enter up to 50 alphanumeric characters. Your entry must conform to the standard e-mail format (XX@XX.XX).

The following applies if the "Customer Entry - Warn if Primary Email exists for other Customers" setting is checked in the Customer tab of Point of Sale Control Settings: If an email address is added or changed, the new email address is checked to determine if it has been assigned to any other customer account as a primary email address. If the email address already exists, a warning message appears that can be dismissed.

The following applies if the "Customer Entry - Warn if Primary Email exists for other Customers" setting is checked in the Customer tab of Point of Sale Control Settings: If an email address is added or changed, the new email address is checked to determine if it has been assigned to any other customer account as a primary email address. If the email address already exists, a warning message appears that can be dismissed.

 You can only edit files attached to the credit application.  You can view attachments linked to the primary applicant’s Customer Settings and credit application.  

A paperclip icon displays next to the Help button. If file attachments exist for the primary applicant’s customer record and/or credit application, the icon appears in bold. Otherwise, the icon is inactive (dimmed).

Residence

Your entry settings on Credit Application Control Settings determine the necessity (optional, mandatory or not needed) of each of the following fields.  

Current

Name, Address 1, Address 2, Zip Code, State The co-applicant's address displays. This information cannot be edited.  

Home Phone, Cell Phone

Type

Resided SinceEnter the date on which the co-applicant began living at their current residence.

Monthly PaymentEnter the co-applicant's monthly mortgage payment. You can enter any whole dollar amount greater than or equal to zero with a maximum of 8 digits, no decimal.

Previous

Address 1Enter the address of the co-applicant's previous residence (if any).  You can enter up to 30 alphanumeric characters.

Address 2Enter the address of the co-applicant's previous residence (if any).  You can enter up to 30 alphanumeric characters in addition to the characters you entered in the Address 1 field.

Zip CodeEnter the zip code of the co-applicant's previous residence (if any).  You can enter up to 9 characters. If the zip code you enter exists in the system, the associated city and state default.  If the zip code you enter does not exist in the system, a warning message appears but you can proceed.  Note that you cannot use this screen to create new zip codes.

CityEnter the city of the applicant's previous residence (if any). You can enter up to 20 alphanumeric characters.

StateEnter the two-character state abbreviation of the applicant's previous residence (if any) or use the Search button to select a state from the Read-Only Lookup Window.

Resided FromEnter the date on which the co-applicant began living at their previous residence.

ToEnter the date on which the co-applicant ceased living at their previous residence.  The date entered here must be equal to or greater than the Resided From date.

Employment

Depending on your Credit Application Control Settings, your entry in each of the following fields is optional, mandatory, or can be skipped (not needed).  

Current

StatusUse this field to indicate the employment status of the co-applicant by clicking the Arrow button to select from the drop-down list. Depending on the Credit Employment Status Settings for the selected status and your Credit Application Control Settings, entry in the fields on the Employment tab of the application may be required.

Job TitleEnter the co-applicant's job title. You can enter up to 25 alphanumeric characters.

EmployerEnter the name of the co-applicant's employer.  You can enter up to 30 alphanumeric characters.

Address 1Enter the first address line of the co-applicant's employer.  You can enter up to 30 alphanumeric characters.

Address 2Enter the second address line of the co-applicant's employer.  You can enter up to 30 alphanumeric characters in addition to the characters you entered in the Address 1 field.

Zip CodeEnter the zip code of the co-applicant's employer.  You can enter up to 9 characters. If the zip code you enter exists in the system, the associated city and state default.  If the zip code you enter does not exist in the system, a warning message appears but you can proceed.  Note that you cannot use this screen to create new zip codes.

CityEnter the city of the co-applicant's employer. You can enter up to 20 alphanumeric characters.

StateEnter the two-character state abbreviation of the co-applicant's employer or click the Search button to select a state from the Read-Only Lookup Window.

PhoneEnter the phone number of the co-applicant's employer.  You must enter 10 numeric characters.

Employment DateEnter the date on which the co-applicant began working at their current job.

IncomeEnter the co-applicant's income.  You can enter any whole dollar amount greater than or equal to zero with a maximum of 8 digits, no decimal.

Income Indicator

Previous

Job TitleEnter the co-applicant's previous job title.  You can enter up to 25 alphanumeric characters.

EmployerEnter the name of the co-applicant's previous employer.  You can enter up to 30 alphanumeric characters.

Address 1Enter the address of the co-applicant's previous employer.  You can enter up to 30 alphanumeric characters.

Address 2Enter the address of the co-applicant's previous employer.  You can enter up to 30 alphanumeric characters in addition to the characters you entered in the Address 1 field.

Zip CodeEnter the zip code of the co-applicant's previous employer.  You can enter up to 9 characters. If the zip code you enter exists in the system, the associated city and state default.  If the zip code you enter does not exist in the system, a warning message appears but you can proceed.  Note that you cannot use this screen to create new zip codes.

CityEnter the city of the co-applicant's previous employer.  You can enter up to 20 alphanumeric characters.

StateEnter the two-character state abbreviation of the co-applicant's previous employer or click the Search button to select a state from the Read-Only Lookup Window.

PhoneEnter the phone number of the co-applicant's previous employer.  You must enter 10 numeric characters.

Employed FromEnter the date on which the co-applicant began working for their previous employer.

ToEnter the date on which the co-applicant ceased working for their previous employer.  The date you enter here must be equal to or greater than the Employed From date.

Reference

Use this tab to enter information for the co-applicant's references.  You can enter up to 99 references.  

NameEnter the name of the co-applicant's credit reference.  You can enter up to 30 alphanumeric characters.

TypeEnter text describing the type of reference being entered, for example, Personal, Business, etc.  You can enter up to 15 alphanumeric characters.

PhoneEnter the phone number of the co-applicant's credit reference.  You must enter 10 numeric characters.

Address 1Enter the address of the co-applicant's credit reference.  You can enter up to 30 alphanumeric characters.

Address 2Enter the address of the co-applicant's credit reference.  You can enter up to 30 alphanumeric characters in addition to the characters you entered in the Address 1 field.

Zip CodeEnter the zip code of the co-applicant's credit reference.  You can enter up to 9 characters. If the zip code you enter exists in the system, the associated city and state default.  If the zip code you enter does not exist in the system, a warning message appears but you can proceed.  Note that you cannot use this screen to create new zip codes.

CityEnter the city of the co-applicant's previous employer.  You can enter up to 20 alphanumeric characters.

StateEnter the two-character state abbreviation of the co-applicant's previous employer or click the Search button to select a state from the Read-Only Lookup Window.

After you enter information for each reference, click the Add button to update the grid.  The grid displays the Name, Type, and Phone number of each reference added.

Miscellaneous

Use this tab to enter miscellaneous information on the co-applicant, including the co-applicant's military service (if any).

RankEnter the co-applicant's military rank.  You can enter up to 20 alphanumeric characters.

BranchEnter the co-applicant's branch of service.  You can enter up to 20 alphanumeric characters.

Service Comp DateEnter the date on which the co-applicant began their military service.

ETS DateEnter the date that the co-applicant's service in the military ended (that is, Estimated Time of Separation).

Commanding Officer

NameEnter the name of the co-applicant's commanding officer.  You can enter up to 30 alphanumeric characters.

PhoneEnter the phone number of the co-applicant's commanding officer.  You must enter 10 numeric characters.

When you finish entering the application information, click the Save button to process this credit request. If you are set up to transmit to the credit bureau, the program sends the application data to the bureau for the purposes of obtaining a credit report.