Can you suggest another possible lender other than Lending Club? I was under-employed for about a year and my income has bounced back, but I would like to get some credit card debt refinanced. The problem is my credit score is only 619.
With a credit score like that, ouch, good luck with any of them. LendingClub.com is the one I have the most knowledge about but there are some other peer-to-peer lenders that may be similar. You could try Prosper.com but I believe they have a higher credit score requirement than LendingClub.com. Zopa.com is actually not a peer-to-peer lender but does work with local credit unions.