- Totally agree, the digital stuff is a double-edged sword.
- Uploading docs from my phone is way easier, but it’s wild how fast they spot every little thing.
- Had to explain a $50 Venmo transfer from months ago... felt like an interrogation.
- Credit unions did seem a bit more chill, but yeah, still wanted a paper trail for everything.
- At least I didn’t have to dig out my old scanner—small wins, I guess.
- Still feels like they want your life story just to get a loan though.
Yeah, the digital process is a blessing and a curse. It’s wild how quickly they flag stuff—sometimes I think they’re just bored and looking for something to ask about. That Venmo thing? Super common. Lenders are just obsessed with tracking every dollar, especially now with all the online transfers. Honestly, even credit unions have gotten stricter. At least snapping pics of docs beats wrestling with a scanner from 2008... small mercies, right? Just remember, the more organized you are up front, the less grilling you’ll get later.
