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Support Home Verification What is considered income? Since this is a personal loan, we only take your personal income into considerati… What is not considered income for the purpose of obtaining a Ridgewood’s No Fee Personal Loan? Your household income (we only take your personal income into consideration) Inco… What documentation will verify my income? All documentation must: Have your name and the company name listed Be recent - n… How do I get my transcript? We may request a copy of your transcript to verify your completed degree or that … Can I use my household or spousal income? No. Since this is a personal loan, we only take your personal income into conside… Can I increase my loan amount after I have accepted my loan terms? Unfortunately, we cannot change your loan amount after you have signed your promi… Why weren't you able to retrieve my credit report? The initial credit inquiry is based on your name, address, and date of birth. If …