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Credit bureau that Prosper pulls?

New Visitor

Credit bureau that Prosper pulls?

Hi. Does anyone know which CRA Prosper pulls and if they truly do a soft pull when checking your rate? I was a bit hesitant to check when they asked for my social security number. Thanks!
Message 1 of 5
4 REPLIES
Frequent Contributor

Re: Credit bureau that Prosper pulls?

I recently did a few rate checkers for a personal loan with Prosper being one of them.  It was a SP but not real sure which bureau(s) they look at.  They are still sending me emails about...."Come back and finish your application, you're almost through".  

FICO 8
Message 2 of 5
New Visitor

Re: Credit bureau that Prosper pulls?

Thank you!
Message 3 of 5
Regular Contributor

Re: Credit bureau that Prosper pulls?

It was a soft pull on me for the rate. When I actually pulled the trigger to finalize everything, it was a HP on TU. Loan reports to all 3 bureaus.

Starting Score:Low 500s in 2013
Current Score 7-31-18: TU: 806 EX: 829 EQ: 799
Goal Score: 800 Across the Board
In My Wallet: Cap1 QS - PenFed Power Cash Rewards - PenFed Promise - AmEx Delta Gold - AmEx Platinum - DISCO - NFCU Cash Rewards - AmEx Simply Cash Business

Message 4 of 5
Contributor

Re: Credit bureau that Prosper pulls?

TransUnion for soft pull and then denial for low score
Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Message 5 of 5