Prosper

i've heard nothing but good things about them. i checked them out and they do seem very legit and respectable. sadly, my credit score was too low to take a loan but even that's respectable for me because they don't loan if they don't think someone could pay it back (I actually could have at the time, but that's how it is with bad credit!)

Just wanted to offer everyone an update on my Prosper comments...

As I mentioned before, I initially visited Prosper as I had read that you can get a "free peek" at your credit report when you sign up.

I DID get a free look at the credit report that they pulled, and I did so WITHOUT COMPLETING the loan-request process.

My next credit report showed a "soft inquiry" from Prosper.

I suspect that if I had COMPLETED the loan request, it would have created a "hard inquiry".

SO, if you have used-up your free annual report access, and
can't or don't want to pay for a newer copy, you CAN see ONE of your reports by registering and STARTING a loan application, but never finalizing it.
(Of course, you CAN finalize the loan application, if that's what you want to do, but if you apply for something you'll be unable to get, you'll simply end up with another hard inquiry on your report. I'm not sure if they send you a "denial" letter that you could then use to request a current copy of the report they pulled, or not, since you are dealing with individuals... Either way, you would end up with another hard inquiry for completing the loan request...)

Hope this info is useful to someone - notyour

I guess thats one way, but sounds like alot of trouble.

Moving to loan forum . . .

Luke, you're right - there ARE less elaborate ways to see your credit report...

...guess I should have been clearer about my intentions in posting that info...

reason #1:

When I first heard about doing that (the Prosper "see-your-credit-report" trick), it was stated that "it wouldn't show up AT ALL on my credit report" - which sort of amounts to a half-truth...

My little "test" of the "trick" showed a soft inquiry - so, it's not being shown-around, but, based on what I had read, I was surprised to see "Prosper" on my next credit report at all....

So - I was just trying to clarify that point, (in my experience) since I got the info that it "wouldn't show up at all" from a popular website, and I felt a bit misinformed when I saw Prosper in big bold letters on my report (fortunately as a soft inquiry, but it was "good for a rush", till I read more closely...lol)

reason #2:

In going through posts by others, I have seen information requests from folks who want to see their credit reports, but can't afford to pay for the privilege, right then...

IF someone has a little more time & patience than cash, it CAN be a mechanism for getting more-of-a-clue-than-absolutely- none, when it comes to what others (like potential creditors) will be seeing about them....

...I'd suggest thinking of it as a kind of a "break glass in case of emergency" resource...

...but Luke is right - as soon as you can afford to, I would recommend finding a less elaborate ritual for checking your report...

I tried using this mechanism once (both to immediately see my report, and to see if "the trick" worked), but I didn't repeat the process, as I felt that doing so regularly would be taking advantage of Prosper's bandwidth & resources....

As always, MANY THANKS to everyone for all of the information they share here!

-notyour

Guest, your post are great...I wished you would join us, we could use you here.

THANK YOU, Luke...

I HAVE joined you fine folks...and I'm delighted to be here!

I apparently have some previously unknown innate skill, wherein I somehow get signed-out when I submit a post....

This IS my first experience with a forum, so I suspect it's "operator error"...

...maybe this one will keep me signed-in... if not, I'm: "notyour"

( ...if there's a way to change your screen name from the stock "part of the email address that you registered with", I'm apparently too "forum challenged" to have figured that out, too... LOL)

Thanks to everyone for all of the guidance!

Yes, that is great and welcome to the family. We all will benefit from you being here. I like your Icon/image, very nice.

Again, glad your here.


luke

Notyour - You aren't forum challenged

You have to have Admin change your username. It's not something you can do on your own.

Look at the top right hand part of your screen. There should be a link saying "Private Message". Click on that, then the "New Post" button. For the username, send to "Jason" (no quotes). He is an Admin here, just put in the message that you want to change your username to whatever, and he will take care of it for you!

Thanks, Luke...

I actually think that "Daria" might have been written by some poor soul who went to school with me....

Fortunately, nearly thirty years of living in the woods of West Virginia have made me somewhat more "normal"...<smirk>

Your signature line states an unfortunately undeniable fact - thanks for keeping us reminded...

-notyour

lol and Your welcome notyour. Have you checked out Gouda2424 message? It has the answers you seek.

Yes - THANKS, goudah2424!

I feel slightly less dense, knowing that I'm not SUPPOSED to be able to do it myself...

I appreciate the opinion that I may not be forum challenged, too - although THAT obviously remains to be proven...lol.

Your "How I make some extra cash" is interesting - it's nice to hear a comment from someone who's actually involved.
(You mean I won't make a million dollars by Thursday, without doing anything, and using only a product that the promoter has never actually seen or used?? geeez...)

-notyour

LOL! I'm more realistic then that . . . . The least I've ever made was $20.80, so that is what I tell people. I'm not going to pretend it's easy to make thousands a month with no work!

I applied for a loan a couple of times and just really never had any luck with them. I don't know if I am wording things wrong or not, but have really tried to be as honest as I can with what I write.

One thing about Prosper is you have to write your loan request so that it is appealling to the people who want to lend you money. There is a forum link up there that kind of gives you advice from other potential borrower and some lenders visit the forum and tell you what they are looking for. You have to do a lot of reading to get the information, but is a very good site by far.
If you don't get a loan the first time, you may have to repost to get the attention you are looking for, plus you ad only stays out there for several days.

It work for me, twice.