06-14-2013 03:24 PM
I wish I could remember the whole process, but I can't. I do remember theme calling my home's land-line phone number even though I never gave theme that number. The number is on my credit profile, so I think they where using it as some sort of verification process (I don't know).
I remember completing the To-Do list, then the next day they added 1 item. I was eventually approved, and it didn't take that long for me. I applied on April 20th and my loan was issued on the 29th.
10-16-2013 02:50 AM
Doubt you will get a loan from these jokers. They are the most unprofessional in how they do business when it comes to dealing with the public. I never asked for a loan and had never heard of "The Lending Club" until I received a e-mail stating "a loan was available and I was approved subject to verification of employment and income". I had several phone conversations verifying that I had a loan once their requested information was received, also thr account page they set up for me had me 100% funded by their investors. I made trips to social security, VA, and spent $30.00 in fax fees sending what they requested. Numerous times I was told I was APPROVED and would be funded upon receipt of their required documentation. They were sent what they requested. Well, I was turned down for credit! I have perfect credit, no degoratories, lates, etc. and 725 credit score. My point is a real or legimate lender would check your credit first not last in the process?? Well I find out they did get into my credit and knew what it was from the very beginning they could have decided at that point to have eliminated me and never have introduced themselves to me via their phoney e-mail, their lies, and requesting documents that they never had any intention of using. Finding out they get your name from a third party credit service is how they find you. Again I never contacted them requesting a loan the mishmash they put me thru was a ruse of sorts. Their a bunch of amatures and liars in how they operate and conduct their business. My advice be carefull with this bunch of skunks....
10-16-2013 03:16 AM
It was about a week for me to go from fully funded to having the money in my checking account. The longest part of the process was the final review.
10-28-2013 11:20 AM
I applied a month ago; the rate was way too high so I just never proceeded.
I got an email on Friday saying my offer will expire and when I logged in, the rate dropped substantially! It was in line with what I am paying the CCs so I pulled the trigger. They asked for my last two paystubs, and last year's W2. I submitted and later that day I got the call at home and work to verify my numbers. He even threw a trick number at me lol. I think they use your credit file to see if you are who you say you are.
He then told me an additional doc request in the form of a recent utility bill was on the site. I scanned the electric bill I just paid and sent it on its way. All showed received or pending; he said it would be 2-3 days for verification.
I was fully funded within six hours on Friday.
Today my bank account showed a tiny deposit from them to verify my bank account. I logged in and it was checked off at that point. My utility bill was verified; the other two are still "pending."
I figure it takes a few days...and a SP from TU shows my official score is 34 points higher than CK.