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What credit monitoring tools are available in DebtIQ?

Once enrolled in DebtIQ, you'll be able to:

  • View your credit score and see your progress.

  • Monitor your credit report monthly to track your activity.

  • Use tools like Score Factors and Debt Analysis to understand which factors impact your score the most.

  • Get notified about updates to your credit report.

  • Access the Credit Score Simulator to see how certain money moves could change your score before you make them.

LendingClub Resources

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What is the credit score in DebtIQ?
Your credit score in DebtIQ is your VantageScore.
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DebtIQ is all about helping you get smarter about managing credit card debt.
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What is the credit report in DebtIQ?
DebtIQ uses your TransUnion credit report.
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How do I make loan payments?
At LendingClub Bank, we care about your financial health. We make it easy for you to make payments that keep your account on track.
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If you believe that your credit report contains inaccurate or incomplete information, you can dispute it directly with the agency that’s reporting it.
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Related Glossary
Revolving Credit
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
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Sep 6, 2023
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Annual Percentage Rate (APR)
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
A Letter Term
Mar 21, 2023
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Accrued Interest
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
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Charge-Off
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
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Fixed Interest Rate
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
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Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

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