Lightstream App Process

[AverageJoesCredit]

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@credit_endurance wrote:

Is there any way to contact these guys via email or phone?

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Maybe light

Best to @ @CreditCuriosity 

[CreditCuriosity]

@credit_endurance can try this #?(866) 635-1330

Their customer service once i log in.. Good luck

[credit_endurance]

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@CreditCuriosity wrote:

@credit_endurance can try this #?(866) 635-1330

Their customer service once i log in.. Good luck

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@CreditCuriosity Thanks for this. Hopefully I can pass on a update soon.👍

[credit_endurance]

Update: Denied

Reasons was a host of the typical jibberish.

I honestly believe it was my dirty TU Oh well, I got a couple other fires on the burner. Thanks again CC for providing me contact info.

[Mr_Mojo_Risin]

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@credit_endurance wrote:

Update: Denied

Reasons was a host of the typical jibberish.

I honestly believe it was my dirty TU Oh well, I got a couple other fires on the burner. Thanks again CC for providing me contact info.

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Ah man sorry to hear that. Well sounds like you still have action going on. Good luck with the next one. 🤟

[CreditCuriosity]

Sorry to hear.. glad you got your answer though.  Best of luck with others

[CaptJOB]

Just figured I'd chime in with my DPs. I applied in early March and they pulled TU for me as well. Mine was not an instant approval either and I got a verification call I think the next business day about my assets before I got a decision.

[Harvey26]

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@credit_endurance wrote:

I wanted to wait on my last "baddie" to fall off EQ before I applied for lightstream. Got the okay that my reports where now clean on EQ and shot them an app. Process was seamless but didn't get an instant decision.☹️

Actually got an alert that they pulled TU instead argh!! 😧 My TU is still dirty so not sure if that will affect my approval chances and eventual rate offered.

For those that have had experience with the loan process is this normal to have an app reviewed? What do you think my chances are of approval with a dirty profile? (I have heard that they like clean profiles and higher Fico scores)

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I applied last week with a 768 TU score and was denied due to not having enough assests to refinance a 32K car loan. I really wouldnt sweat it much I would look into a CU. Funny thing is the same bank gave me a 15K loan for my windows just 2 months ago. Which I did not use beacuse the window company has stopped working. I spoke to a supervisior and everything and basically was like how much money do you expect someone to have in the bank when the loan started at 40K over almost 2 years ago... He really couldnt answer me I am sure he felt exactly where I was coming from and that there policies are just dumb.

[credit_endurance]

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@Harvey26 wrote:

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@credit_endurance wrote:

I wanted to wait on my last "baddie" to fall off EQ before I applied for lightstream. Got the okay that my reports where now clean on EQ and shot them an app. Process was seamless but didn't get an instant decision.☹️

Actually got an alert that they pulled TU instead argh!! 😧 My TU is still dirty so not sure if that will affect my approval chances and eventual rate offered.

For those that have had experience with the loan process is this normal to have an app reviewed? What do you think my chances are of approval with a dirty profile? (I have heard that they like clean profiles and higher Fico scores)

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I applied last week with a 768 TU score and was denied due to not having enough assests to refinance a 32K car loan. I really wouldnt sweat it much I would look into a CU. Funny thing is the same bank gave me a 15K loan for my windows just 2 months ago. Which I did not use beacuse the window company has stopped working. I spoke to a supervisior and everything and basically was like how much money do you expect someone to have in the bank when the loan started at 40K over almost 2 years ago... He really couldnt answer me I am sure he felt exactly where I was coming from and that there policies are just dumb.

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Yeah, I pretty much had a feeling when it wasn't an instant approval to at least a response back within the hour that something was up. If it wasn't for @CreditCuriosity  providing me with the contact number, I wouldn't have even known my app had been denied until I received a letter most likely. Well if anything has come from my experience it looks like they may be trending towards pulling TU now. Good dp's @CaptJOB  @Harvey26  Thanks!

[Anonymous]

Would any of you happen to know if possibly freezing TU and EXP would force them to pull EQ? Or do you think they would insist on pulling TU?