Applicants must have a minimum credit score of 300 or above as reported by a consumer reporting agency. Note, we may accept applicants with insufficient credit history to produce a credit score.Note, we do accept applicants with insufficient credit history to produce a credit score.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding. Material changes include significant drops in your credit score or additional debt obligations. If this occurs, your loan approval will be withdrawn.

We also check to see how much debt you have in comparison to the income you receive.

Your credit score may vary slightly between agencies, but any major differences may indicate an error or misconduct, so it is important to get in the habit of checking your credit score at each agency.

Additionally, the credit score Upstart receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method. 

If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.