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Posts: 88
Registered: ‎07-06-2008
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Lending club & Prosper

Does anyone know which report they pull..i heard they pull all that correct? Thanks

Established Contributor
Posts: 625
Registered: ‎01-04-2009
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Re: Lending club & Prosper

Prosper uses Experian Plus scores.
New Contributor
Posts: 59
Registered: ‎08-29-2009
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Re: Lending club & Prosper

Lending Club pulls Transunion.

Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Lending club & Prosper

I'm a lender at both entities. Prosper uses the EX Scorex Plus Score and Lending Club uses the FICO TU score.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Established Contributor
Posts: 588
Registered: ‎03-07-2007
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Re: Lending club & Prosper

i have a 572 ex plus score  will that qualify me for a loan on prosper

fico 08 08/01//2017 tu 629 eq 637
ex 611 overstock 0/2250 disc secured 0/ 300 credit one 0/450 navy c rewards 1000/3500 navy plat mc 0/2000 penfed oloc 0/500 x 2 mjc 0/5000 wally world 0/200 carecredit 0/800 eq 05 bankcard 669 if i knew who pulled it
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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Re: Lending club & Prosper

mrldp40 wrote:

i have a 572 ex plus score  will that qualify me for a loan on prosper

Pretty sure you have to have a 620 - 670 minimum.  I looked recently but can't remember exactly.

Posts: 7
Registered: ‎01-11-2013
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Re: Lending club & Prosper

I was just denied with Prosper 662 experian plus score
New Member
Posts: 2
Registered: ‎10-29-2012
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Re: Lending club & Prosper

How high do your fico scores have to be to get a loan with them

I want to have a medical procedure and want a loan. My score now is about 630

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