topic Re: Lending Club WHAT?! in Credit Cards

Lending Club WHAT?!

Creditaddict — Wed, 18 Mar 2015 21:18:10 GMT

You now have to use a differnet e-mail account if you want to check your rate again in the future if you have been delclined... there system will not allow you to apply agian with same e-mail!

"They are working on fixing that"

That's an epic fail in software development... stop spamming my email acccount if i can't apply with it agian!!!

Re: Lending Club WHAT?!

Anonymous — Wed, 18 Mar 2015 21:23:19 GMT

@Creditaddict wrote:
You now have to use a differnet e-mail account if you want to check your rate again in the future if you have been delclined... there system will not allow you to apply agian with same e-mail!
"They are working on fixing that"

That's an epic fail in software development... stop spamming my email acccount if i can't apply with it agian!!!

just type in qwertyuiop@asdfghjkl.zxc and it should work.

Re: Lending Club WHAT?!

Jarnog — Wed, 18 Mar 2015 23:51:47 GMT

Get the same thing when I try again. They using a pull from Nov 2014.

Tried what Nixon said and it came back with an approval LOL. Course scores have risen but did not think that much

Re: Lending Club WHAT?!

lhcole77 — Thu, 19 Mar 2015 00:04:18 GMT

Sources tell me you can use same email address 30 days after denial

Re: Lending Club WHAT?!

BarryNTexas — Thu, 19 Mar 2015 00:19:52 GMT

I did the pre-qual last week on Lending Club and Prosper. Prosper came back with the lowest rate... 6%. I don't know if they did a soft pull.

Anyone have an opinion on either of them being better?

Re: Lending Club WHAT?!

Creditaddict — Thu, 19 Mar 2015 00:29:52 GMT

@BarryNTexas wrote:
I did the pre-qual last week on Lending Club and Prosper. Prosper came back with the lowest rate... 6%. I don't know if they did a soft pull.

Anyone have an opinion on either of them being better?

they both do SP... One pulls EX and one TU.

They are practically the same... think they are funded by same bank, just different companies... I happen to invest on Prosper so I like that but lower rate is lower rate!

Re: Lending Club WHAT?!

elim — Thu, 19 Mar 2015 00:41:35 GMT

@Creditaddict wrote:
@BarryNTexas wrote:
I did the pre-qual last week on Lending Club and Prosper. Prosper came back with the lowest rate... 6%. I don't know if they did a soft pull.

Anyone have an opinion on either of them being better?
they both do SP... One pulls EX and one TU.
They are practically the same... think they are funded by same bank, just different companies... I happen to invest on Prosper so I like that but lower rate is lower rate!

hrmmmm, and i could, lets say... get my EX and TU Fico's once a month via SP from these?

Re: Lending Club WHAT?!

Anonymous — Thu, 19 Mar 2015 00:42:46 GMT

Prosper does an HP after approval, LC does not.

Re: Lending Club WHAT?!

xangoboy — Thu, 19 Mar 2015 07:57:56 GMT

LC has been requiring you to use a different account to check your rate for a few months now. I remember having this issue since November. CSR told me that some people have had success checking their rates twic . She said beyond that it won't work and you just need to use a different email account. Kind of silly.

Re: Lending Club WHAT?!

Aarvard — Thu, 19 Mar 2015 08:10:12 GMT

I know Prosper is EX 08 and Lending Club is TU 08, but is there any site that uses EQ SP and gives us EQ 08 score?

Re: Lending Club WHAT?!

Anonymous — Thu, 19 Mar 2015 12:43:22 GMT

Lending Club seems to be giving the wife and I TU04 FICO

Re: Lending Club WHAT?!

Anonymous — Thu, 19 Mar 2015 12:59:30 GMT

Had wife do the lending club just for fun...came back as a decline for excessive accounts in 12 months. Didnt think 3 cc's and a car loan in 12 months are excessive but whatever.

Re: Lending Club WHAT?!

lhcole77 — Thu, 19 Mar 2015 13:34:54 GMT

@elim wrote:
@Creditaddict wrote:
@BarryNTexas wrote:
I did the pre-qual last week on Lending Club and Prosper. Prosper came back with the lowest rate... 6%. I don't know if they did a soft pull.

Anyone have an opinion on either of them being better?
they both do SP... One pulls EX and one TU.
They are practically the same... think they are funded by same bank, just different companies... I happen to invest on Prosper so I like that but lower rate is lower rate!
hrmmmm, and i could, lets say... get my EX and TU Fico's once a month via SP from these?

Tread lightly with them words in these parts

Re: Lending Club WHAT?!

Anonymous — Thu, 19 Mar 2015 16:03:34 GMT

+1

Competition leads to green eyes. Lol!

Re: Lending Club WHAT?!

racer-x — Thu, 19 Mar 2015 21:12:50 GMT

After getting pre-approved for 35,000 at 8% or something like that on Prosper, I 've gotten offers from "Best Egg" and "Circle Back"....I guess they're in the same business at Prosper and Lending club.

Re: Lending Club WHAT?!

Creditaddict — Thu, 19 Mar 2015 21:18:49 GMT

@racer-x wrote:
After getting pre-approved for 35,000 at 8% or something like that on Prosper, I 've gotten offers from "Best Egg" and "Circle Back"....I guess they're in the same business at Prosper and Lending club.

WOW, I would take that!

Re: Lending Club WHAT?!

racer-x — Thu, 19 Mar 2015 21:40:51 GMT

@Creditaddict wrote:
@racer-x wrote:
After getting pre-approved for 35,000 at 8% or something like that on Prosper, I 've gotten offers from "Best Egg" and "Circle Back"....I guess they're in the same business at Prosper and Lending club.
WOW, I would take that!

@I just checked, it's $35K @ 9.66% for 3 yrs, 11.98 for 5 yrs.. $20k is in the 7.49% range. I will probably do this in a few months. Not sure how much. But the idea of having 0 or maybe a very small amount of CC debt is pretty freaking enticing.

Re: Lending Club WHAT?!

Anonymous — Thu, 19 Mar 2015 21:53:25 GMT

@racer-x wrote:
@Creditaddict wrote:
@racer-x wrote:
After getting pre-approved for 35,000 at 8% or something like that on Prosper, I 've gotten offers from "Best Egg" and "Circle Back"....I guess they're in the same business at Prosper and Lending club.
WOW, I would take that!
@I just checked, it's $35K @ 9.66% for 3 yrs, 11.98 for 5 yrs.. $20k is in the 7.49% range. I will probably do this in a few months. Not sure how much. But the idea of having 0 or maybe a very small amount of CC debt is pretty freaking enticing.

That's why I did it. I was able to take my Util from over 50% to under 10% and save myself $300 a month in the process.