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.
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?
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.
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.
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.
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.
