Even though I had 2 credit cards in collection, Web bank lend to me through Fingerhut. I paid off my 1st and only use of that Fingerhut credit and after that I got approved fora personal loan through Avant. I was surprised to know that Avant is owned by Web Bank. It's true that they will lend to you when others don't. I'm happy that there are banks like Web Bank.
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emailed me today saying they denied my request for the loan i applied for on their site, good darn thing they denied since i never applied for one!
I did happen to 'look up' loan rates here on karma yesterday, webbank/advent were not on the list, so how the heck looking up current loan rate offers results in applying for a loan with them is beyond me. it best not show up as a hard inquiry or i will be livid since i am in the middle of getting a mortgage loan through my bank to close on a house and they will redo a credit check before closing!!
(only click 'i had it' button above because i had to choose one to post this)