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So for the heck of it i tried a Lending Club loan because they send me mail all the time
Info on me:
1. 715, 705, 701 FICO credit scores
2. $220,000 a yr income (only claimed $175,00)
3. One medical collection for $539 from 2011 (doing hippa process now)
4. 15 credit cards with $96,000 max (using $21,000 currently) "usually" pay off every month
5. Two car loans and Harley with $96,000 balance
6. Never pissed a payment on anything (except that medical collection of course)
7. last year had $125,000 W2s and $60,000 1099, Toal tax return $185,000 in 2015
8.2016 all 1099 (make $1010 a day consulting for oil company thorugh my LLC)
So basically last year around 7.1.15 offered a consutling job with pays 1099 and goes though your LLC (own business), been 1099 since than
Applied for Lending Club $25,000, sent in a BUNCH of paperwork they wanted, tax returns, W2s (last year) utility bill, etc etc..
Recieved a call from someone that sounded like he was 15 years old and he said " I can only verify $56,000 of your income" and rambled on about how im no longer a W2 worker (uh yea, duh, i know!)
Went to supervisor and said he couldnt verify my income this year because of no W2's (again...duh..i dont get W2s!)
Anyway im not mad at all, I didnt even need the money i just wanted to see if it was for real and wanted to post my experience here in case someone cares
Sorry to hear. You should look into SoFi. They have great reviews.
I'm self employed and had no difficulty getting a Lending Club loan.
Cool..
Just relating my experience
Thanks for sharing your experience. I am +1 for trying SoFi.com