A loan funded through one of our lending partners will reflect on your credit report both as TheLending and the name of the lending partner your loan is offered through.
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For FinWise Bank (FW Bank) Loans
Reporting on your account will show up on your credit report as “FinWiseTheLending” (TransUnion) OR “FinWise/TheLending” (Non-TransUnion)
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For First Electronic Bank (FEB) Loans
Reporting on your account will show up...
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TheLending is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education, and more. TheLending can help you master your money with fun and free videos and quizzes.
For more information, click here.
The TheLending Resolutions Team strives to respond to all customer inquiries within 10 business days.
TheLending does not partake in the pay to delete practice. If you enter into an agreement to settle or pay off your account, the account will be reported as such once the agreement has been met on your credit report.
Make sure to check your credit report directly from each bureau as opposed to third-party sites, such as Credit Karma. Third-party sites may take additional time to process new information and update your credit report. If you have questions about your Credit Karma account, please reach out to their member support team.
At TheLending, refinancing your loan results in your previous loan being paid and a new loan opening. TheLending reports the previous account as refinanced and closed as of the refinance date. The newly originated loan will be reported to the credit bureaus in our monthly reporting until a final status is reached.
If you have any ...
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TheLending follows industry standard guidelines for credit reporting, and these standardized guidelines indicate how to report installment products, such as a paid off TheLending account.
Due to the guidelines provided, we report accounts that are paid off with a code that indicates the account is both paid and closed. Each credit bureau and each third party ...
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Once an account is reported as charged off, the remark will remain on the account until each bureau no longer reflects that account on your credit report. The remark cannot be removed even after a payoff or settlement, as it accurately reflects the delinquency of the account at the time of payment.
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When an account is included in bankruptcy, information regarding the bankruptcy is reported to the credit bureaus. This information continues to reflect on the credit bureaus for up to 10 years.
If you have any questions, please see below for each credit bureau's contact information.
Equifax: 888-548-7878 or equifax.com
Experian: 888-397-3742 or experian.com
TransUnion: 800-916-8800 or Read more
Accounts reported to the credit bureaus are reported on a monthly basis, between one to two weeks following the final date of the prior month.
For example, all account activity between May 1 and May 31 will typically be reported to the credit bureaus by mid-June. If your loan was paid off in May, you will ...
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Please contact our Resolutions Department via email at resolutions@thelending.pro or by mail to the corresponding address below.
For loans made by FinWise Bank:
FinWise c/o TheLending
ATTN: Resolutions Department
130 East Randolph Street, Suite 3400
SUITE 210, LAS VEGAS, NV, 89148, USA
For loans made by First Electronic Bank:
First Electronic Bank c/o TheLending
ATTN: Resolutions Department
130 East Randolph Street, Suite 3400
SUITE 210, LAS VEGAS, NV, 89148, USA
For loans made ...
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TheLending reports to the three major credit bureaus: TransUnion, Equifax, and Experian.
There are numerous benefits! TheLending is a national standards-aligned personal finance curriculum designed to teach essential concepts like saving, budgeting, credit education, and more.
TheLending can help you master your money with fun and free videos and quizzes.
Get started with TheLending here.
If you have Bad Credit (typically considered a FICO score of 580 or below), it can impact your life in many ways. It can affect your employment opportunities, apartment rental prospects, and more.
To have “bad credit” means you’re considered a riskier--and less creditworthy--borrower than someone with “good credit” (a FICO score of 670 ...
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California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.
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