Denied
Mine just said my score wasn't high enough. TU checked, and they apparently want at least a 640 or higher.
Mine was 628 per what they said 
.
Soft pull so no biggie there, thank god 
If you want more specifics here is the letter/response 
After carefully reviewing your application for a loan on the Upstart platform, we are unable to offer you credit on the terms you requested for the reasons set out below.
Principal Reason for Our Denial of Your Request for Loan:
Loans on Upstart are currently unavailable to those who have a credit score below 640.
Disclosure of Use of Information Obtained From an Outside Source
If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address and toll-free telephone number are listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out more information contained in your file by contacting:
- Name: TransUnion
- Address: P.O. Box 2000, Chester, PA. 19022
- Telephone number:
1-800-916-8800
We also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.
- Your credit score: 628
- Date: 2014-05-14
Scores range from a low of 300 to a high of 850. Key factors that adversely affected your credit score are:
- Derogatory public record or collection filed
- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts
- Length of time accounts have been established
- Proportion of loan balances to loan amounts is too high
If you have any questions regarding your credit score, you should contact TransUnion at the address or telephone number above.
If you have any questions regarding this notice, please contact us at the following address:
- Cross River Bank
- c/o Upstart Loan Operations
- P.O. Box 61203
- Palo Alto, CA 94036
Sincerely,
Cross River Bank
Teaneck, NJ
Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Federal Deposit Insurance Corporation, FDIC Consumer Response Center, 1100 Walnut St., Box #11, Kansas City, MO 64106.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
So to me it looks like they denied due to credit scores just like any bank or CU. So......
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
