Founded by ex-Googlers, Upstart looks beyond the FICO score to assess borrowers based on work and education history. Whether you are looking to pay off credit cards, refinance existing debt, or make a large purchase, Upstart can help you get the rate you deserve. Check your rate in minutes without affecting your credit score.
disclosures of credit levels
A. The company advertised an extremely low rate(5.7%) and Fico of 650. I have a Fico of 725 and felt I should have been considered for that deserving rate tier. R examine qualifications on the schedule C when reviewing Business income. Look at actual receipts to determine income Line 1. Most people understand a business will have right offs to limit paying additional taxes. Write offs are controllables and I got disqualified for a better rate for that reason. I had to accept a lower loan amount to stay within a budget payment
B. A lower payment would have gotten me more money which I did qualify but the payment was too high. Fico and longevity plus a master's degree should have a better rate than 16%