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lendingclub.com

Super Contributor

lendingclub.com

Did any one try for a loan at lendingclub.com?They say a min of 660 Fico Scores.  I wonder what credit bureau they pull.
Message 1 of 8
7 REPLIES
Super Contributor

Re: lendingclub.com

I checked. They seem to pull TU.
Message 2 of 8
Moderator Emeritus

Re: lendingclub.com

Yes, I can confirm that they pull your TU FICO.
Message 3 of 8
Valued Contributor

Re: lendingclub.com

My TU is currently 708, but utilization is high (listed as 50%, if anyone did the math on AUs they'd see it was closer to 80%).  I've been turned down by CC's for Utilization/Inqs, is LendlingCLub similar?

 

What other documentation do they require?

MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Message 4 of 8
Super Contributor

Re: lendingclub.com


nyccc2 wrote:

My TU is currently 708, but utilization is high (listed as 50%, if anyone did the math on AUs they'd see it was closer to 80%).  I've been turned down by CC's for Utilization/Inqs, is LendlingCLub similar?

 

What other documentation do they require?


 

Check out their website. They explain all the details. I dont think they like more than 10-25% util.
Message 5 of 8
Moderator Emeritus

Re: lendingclub.com

Lending club does not offer CCs, they underwrite unsecured installment loans.
Message 6 of 8
Valued Member

Re: lendingclub.com

Does this loan from lending club even report to TU after it is taken out, or only if you default on the loan then they report.
Message 7 of 8
Senior Contributor

Re: lendingclub.com

I cannot say for sure on lendingclub.com, but my loan from PertuityDirect.com (another social / peer to peer lender) has yet to report the loan to my CR, only the inquiry shows so far.  However, my loan is only 6 weeks old and only 1 payment made the end of last month.

 

PertuityDirect only pulled my EX. 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 8 of 8