Applicants must have a minimum credit score of 510, as reported by a consumer reporting agency. Note that 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 If this occurs, your loan approval will be withdrawn.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 relative to the income you receive.

Additionally, the credit score Upstart receives may be different from the one reported by your credit monitoring services if a credit monitoring service reports a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact the credit reporting agencies listed below.

Experian

Phone: 1-888-397-3742

Website: www.experian.com 

TransUnion

Phone: 1-800-916-8800

Website: www.transunion.com 

Equifax

Phone: 1-888-548-7878

Website: www.equifax.com