Hello,
I am investigating a personal loan of $15,000 but I'd like to use a company that does not report or check Transunion. I have 3 hard inquiries at Transunion but only 1 with Ex and 0 with EQ. My FICO credit scores are 738 (Ex), 733 (TU), and 735 (EQ). I am using this to pay down credit card debt which is the reason my scores are not higher as I have no missed payments, long credit history, and a mix of personal and installment loans.
Could you please help me identify what personal loan lending companies will not inquire or report to TU (companies like Upstart, Prosper, Lending Club, etc.) I want to substantially reduce my credit card balance in this way, to improve my score, to work towards qualifying for a mortgage in the coming months. I'm trying to avoid my TU having too many hard inquiries and too high of installment loans.
I would greatly appreciate any guidance here.
