lending club loan
01-15-2013 07:30 AM
looking for advice! I've been pre- qualified for a 14k personal loan through lending club. I'm looking to finish paying for my July wedding and pay down my debt. Myfico TU score is 708. I have zero late payments in 12+ years of history, no public records. I have high utilization right now but my debt to income ratio is 1% according to Credit Karma as of today. I'm scared to death to officially apply, for fear of rejection, adding a hard inquiry to my report and not being able to get this loan! Suggestions? Am I over thinking this?