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ptcpaul01

10 Contributions
1 Person Helped
prosper loan, my credit score has been over 740 for several months yet you say it's 629 whas up
So through credit karma clicked on prosper loan denial letter arrived shows score 110 points lower and late payments while my payments are at 100% on time for 3 years and confirmed by credit karma, so why the difference? One company is full of beans. Is credit karma scamming me or dud prosper nit even check

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Top Contributor
7816 Contributions
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I am not sure what to say about your late payments if you have any. Keep in mind that there are three different credit bureaus, Transunion, Equifax and Experian and they all may contain different information. Also be aware that there are different scoring models for credit and different versions for each model. A little bit of time spent reading on this subject should clear all of that up.

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