SpringLeaf Financial

[Creditaddict]

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@xXIDaShizIXx wrote:

Do you think I would be most likely approved at springleaf? I saw prosper, how long does that generally take? I will go with springleaf and just pay it off sooner if my chances are actually good. But I thought prosper was a hard pull?

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no, prosper and lendingclub are not hp. you could have a decision in about 10 seconds... I have not completed the loan process but quite a few threads on people that have done lendingclub and I think average seems to be about a week or so for cash in account.

[xXIDaShizIXx]

So should I try all three?

[xXIDaShizIXx]

I wasnt approved for any loan with prosper??

[Creditaddict]

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@xXIDaShizIXx wrote:

So should I try all three?

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Step away from Springleaf!!

go try lendingclub first... if approved lets chat back here... if denied... go try prosper... if approved lets chat back here... if denied... then lets chat back here again but bring your scores you get from both of your denials... it's all instant and you can instantly click the letters which will tell you why you were denied and scores... ITS SP

[xXIDaShizIXx]

707 FICO with prosper. It says too few trades. 693 with Lending club and it says too few revolving accounts. So I got denied for both. Now what?

[Creditaddict]

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@xXIDaShizIXx wrote:

707 FICO with prosper. It says too few trades. 693 with Lending club and it says too few revolving accounts. So I got denied for both. Now what?

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go check pre-qual with chase.com and citicards.com

you should see a link check for pre-qual offers or check for pre-approved offers type button... don't go past the initial check for offers... you are looking for a CONGRATS type  message... then post back results and leave windows open if you get congrats message.

[xXIDaShizIXx]

I do know chase won't work. I applied for a card from them a while back before I got my secured card and was denied. Citibank won't even let me get a 10,000 personal loan because I don't have a history with them. I'm not trying to be difficult, I really do appreciate the help.

[NotUsher]

other than thin, what does your file look like? baddies, AAOA, etc?

[Creditaddict]

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@xXIDaShizIXx wrote:

I do know chase won't work. I applied for a card from them a while back before I got my secured card and was denied. Citibank won't even let me get a 10,000 personal loan because I don't have a history with them. I'm not trying to be difficult, I really do appreciate the help.

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Loans are WAY harder to get then personal loans and these credit card offers can change monthly... these are also just sp to check... worth doing.

okay so thin file... who is the secured card with and do you have any other credit cards?

[xXIDaShizIXx]

Only have student loans which are paid on time. No derogatory marks, and only one secured credit card with less than a 10% utilization.