A SSN isn't required to pull credit (unfortunately).
I'd keep an eye out for a HP; if you don't get one I and others would be interested next time you pull your reports from annualcreditreport.com to see which bureau they hit. Also interested in the letter's reasons if you don't mind sharing when you receive it.
@Anonymous wrote:I called back today and they looked me up by ss, birthdate, and name and couldn't find me at all?? Like the gentleman told me yesterday, you have to proceed with the steps and actually apply for one of the offers for it to be pulled. I will continue to monitor through Credit Karma (they are good about reporting inquires). Too bad I wasn't prequalified, they have exceptional customer service! I wish all my card providers were that nice lol..I would love to know what their target customers are, I mean they offer loans as low as 3,500, so I believe they have become more mainstreamed in their practices. I may have put my info in incorrectly, we shall see in 7-10 days
My understanding is they're direct competitors with the P2P lending community, kinda like SOFI in that regard. I know they were one of the big boys who were financing some LC loans.