Prosper loan denied

[bobbycredit]

Experian is 672 (myFico) and I was told by Prosper that I do not meet the minimum credit score requirement? Have they become more strict? Anyone else have difficulty with >640 credit score?

[bobbycredit]

This was in the messages on prosper:

Your FICO®08 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: 654

Date: 7/2/2014

Considering I just pulled my Experian FICO on 6/30/2014 and it was 672, why would this one be 654? Why would they deny me outright for 654 when their minimum is 640?

[TrueGeminiNC]

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@bobbycredit wrote:

Experian is 672 (myFico) and I was told by Prosper that I do not meet the minimum credit score requirement? Have they become more strict? Anyone else have difficulty with >640 credit score?

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I was approved.  The disclosure provided from Prosper suggested that my Experian score was 689.  Notably, I signed up with them via a mileage promotion; Prosper - United MileagePlus Bonus Miles Promotion.  In the terms & conditions, it suggests that miles would be deposited within 6 - 8 weeks.  The quoted timeframe has lapsed and still no miles.  

[taxi818]

Im guessing they specified that was your experian score. i dont see where they said that. it could have been. or looks more like your transunion score. don't know what their cutoff score is.