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I think credit companies are just tight with people who are self employed. I make 4X the amount my wife does - and I was able to prove it with two years worth of personal tax returns, bank statements, business activity statements. The bank still made 2 enquiries to my credit file, but made ZERO enquiries on my wife's file. All she needed to provide was a recent payslip. I don't think they even contacted her employer. Remember this is for a 30 year home loan for hundreds of thousands of $.
Oh well... as long as I'm working for myself it's not the first time that things like this will happen...
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