Has anyone heard of Payoff Inc?

[Anonymous]

Has anyone heard of Payoff Inc?  

what are your thoughts?

Edit: removed link --SE

[Creditaddict]

looks like prosper and lending club... here is what I got back:

Here's a complete list of areas for improvement along with tips to get you started:

• 1. Your credit score is currently too low.

  We typically require a credit score of 660 and above for approval, and your credit score is currently 659.

  Break down your credit score and credit report and learn how to get your report free. →

• 2. Your current debt-to-income (DTI) ratio is too high.

  Qualified applicants have a debt-to-income ratio of less than 30%. We've calculated your current DTI at approximately 58%

  Learn ways to earn more money to make bigger dents in your credit card debt. →

• 3. You have a lot of hard inquiries on your credit report.

  Based on our reports, your credit report was requested too many times in the last 6 months (maximum 4 per 6 months).

  Avoid new, unnecessary inquiries that hurt your credit score. →

  It's TU... which is interesting because I have not seen this score before and my current TU Fico according to walmart and barclay are higher!

[Anonymous]

Looks like I dont qualify for a loan. My CS is still too low. So I am thinking of applying for 2/3 credit cards this week, but a little weary of the hard inquiries. So far I have 2 from last year. Does 3 applications (in one day(with CapOne = 1 inquiry? Do you know of any credit unions that are lenient with CL.

Kudos to you! 67 cards! That is amazing.

-Citibank $3,574.20/$4180; -$ Credit Union $ 560/$1500 LOC;        -Capital one $250/$2500

-Macys 0/$100; -Kohls 0/$200;   -TJMaxx 0/$300

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Experian score was 561 as of 1/1/15                               On 2/26/15 EQ:626  TU:639   EX: 628

[Creditaddict]

No cap1 pulls all3 but you can check pre-qual and if you have one for venture that seems to be giving nice cl's

[Jerry45]

Hopefully it will not turn into ripoff.com? LOL Just kidding. Never heard of them

[Anonymous]

ok. I am thinking of a QS1 and venture.

[Anonymous]

hahaha..

[Creditaddict]

If your pre qual Id do it

[Anonymous]

I have a loan from Logix Credit Union and they are pretty awesome and fair. 

[Anonymous]

I wonder if I can reapply at some point in the near future.

Here's a complete list of areas for improvement along with tips to get you started:

• 1. Your current debt-to-income (DTI) ratio is too high.

  Qualified applicants have a debt-to-income ratio of less than 30%. We've calculated your current DTI at approximately 35%