Lending Club Approved and My Analysis/Savings

[Anonymous]

so now 

SOFI rejected/denied with 627  dec 28th

Prosper Rejected/Denied with 627 dec 10

Promise Fin: 22.97 APR for 3k/5k/8k loans approved

Will apply for

Avant: $6000

OneMain: $5k

LendingClub: $10,500K

will let you know

any suggestions? 

total credit card debt: $5750 excluding deferred nelnet loan (until June 2016) of $5600

Income: $3k/mo gross

Tax Refund likely 4100 in Mar/Apr 2016.

[Creditaddict]

Don't move student loan debt to a personal loan

[Anonymous]

its deferred until June 2016 with 3,75% interest. i cant beat that rate anywhere.

[Anonymous]

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@Anonymous wrote:

so now 

SOFI rejected/denied with 627  dec 28th

Prosper Rejected/Denied with 627 dec 10

Promise Fin: 22.97 APR for 3k/5k/8k loans approved

Will apply for

Avant: $6000

OneMain: $5k

LendingClub: $10,500K

will let you know

any suggestions? 

total credit card debt: $5750 excluding deferred nelnet loan (until June 2016) of $5600

Income: $3k/mo gross

Tax Refund likely 4100 in Mar/Apr 2016.

---

I'll suggest the same thing I suggested in two of your other threads. Sell some things to stay current then after you start your new job in two days, start making larger payments.

[Anonymous]

So the effects on my score are starting to hit.

I paid off my Citi card at $11.6k and it hit two bureaus yesterday according to MyFico alerts. My overall CC debt balance was $16k as reported, but I also paid that off but it hasn't shown up yet. The lending club loan hasn't shown up either.

EQ went up 29 and is now at 785
TU went up 33 and is now at 770
EX no change and is at 745

This was due solely to a $11.k drop in CC balance.

I should note that my car lease hit my report prior to this and nothing changed.

I'll report back once the $16k balance is kicked off my report and the lending club loan shows up. I'm curious if all of the gains I'm seeing will be lost once the loan shows up.