I think the Subject sums it up. Thought I'd give it a try. They should not be allowed to offer loans that they should know they are not going to honor. I have two Capital One Accounts that were offered to me. My credit is poor. But enough that Capital One and Best Buy had no problem, however LendingClub did not even take a minute to deny my inquiry for Debt Consolidation. I am seriously wondering if the scam is that they get you to authorize Terms of Use and other agreements. I did not read them directly. I wonder if they are merely Data Warehousing people's credit information and selling it.