Having read some negative reviews about Prosper at other review sites, I had my doubts about their service. first off, my credit rating is prtty good - a 730 credit rating and I am 60 years old, I own my own home, have been employed by a Fortune 50 Company for 2 years, have plenty of income, and only 2 credit cards which I wanted to consolidate to pay off for a lower interest rate. That's the story.
Dealing with Prosper was actually very easy. But even though they congratulated ...
me for having my $15K loan approval, it really wasn't funded technically and I wasn't told why. I was asked to provide all kinds of documentations. I gave everything they asked, including my tax return, but I do not have a social security card. I have a SS number, since I was born, but I don't have a physical card and haven't had one in over 30 years when I first lost it. I never had to supply a SS card for other purposes, even for a mortgage, a previous personal loan (paid off, of course), a car purchase, or a Passport, or anything ever that I can recall, especially when I call supply 40 years of fed tax statements. Even the gov SS web site says you really don't need a card, you just need to know what your SS number is! So, I mentioned this to Proper but I was told that, in spite of giving them my tax return, my pension docs, a drivers license, and a W-2, they had to have a SS card to get my loan -- this told to me by a quite less than customer service-trained girl (she was very indifferent and no effort to 'make the deal' or to make me feel pleased to be doing business with them "I'll have to ask my supervisor." Which she said she did, but, no, they wouldn't bend. Their indifference left me cold. I've had more empathy from with my cable company! What kind of business decision was that?? I decided not to send away for the card, wait 10-15 days to get one, just to get my loan. If my decision was dumb, their's was dumber. Proper strikes me as a very unprofessional company. Are they that flush that they can turn away business for such ridiculous issue? Disappointed.