looking to check my TU score

[mizliz1011]

decided to check into LC for a check on my TU score before a considered app...

 

scores on fako have been moving up, only Fico I have is from DCU which went way up

 

LC, without me entering an amount, instantly declined me- they recognized my email

 

They gave an EX score as the basis(it is not yet frozen, had to wait until monday when fraud alert comes off)

 

Didn't know that they EVER pulled EX, always pulled TU to my knowlege (one prior application)

 

Of course the basis of the turndown was my very worst score but I was shocked at the turndown before the application.

 

I am assuming it was not a hard pull as I entered no info.

 

If it is, I will raise holy hell, they also noted too may apps, which is odd because last app was May and I have only that and Verizon phone.

 

Be Aware of this and don't depend on LC using TU. Something is in the wind...

[F1Phantom]

CreditKarma.com will provide you your Trans Union Credit Bureau score; and yes it is free. I have found that the score they give is lower than my actual score. A new feature of CrediKarma is that you can look at your actual credit file from Trans Union.

 

Lending Club has always done soft hits to my knowledge. Try opening a new email account and try them again, you might get a different answer. One last point, if you keep your credit files locked, you will need to unlock to enable them even to make a soft pull. You would also need to unlock trans union to join Credit Karma. Credit Karmas service will continue after your account is open with them even after you relock your credit file.

[I don't even...]

Do you have a Gmail account? If so they ignore periods in email addresses so if your email address is mizliz1011@gmail.com you can also use miz.liz1011@gmail.com, miz.liz.1011@gmail.com, &c. You can also use the @googlemail.com domain and they will go to the same inbox. You can also set up filters based on the address you used to say have any messages sent to those addresses skip the inbox.