DebtIQ is all about helping you get smarter about managing credit. It's filled with intelligent features like tools for managing your credit, a personalized dashboard that shows your debt in one place, an interactive credit score simulator, and more.
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Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.
Related FAQ's
Your credit score in DebtIQ is your VantageScore.
DebtIQ uses your TransUnion credit report.
DebtIQ is a tool designed to help you get smarter about monitoring and managing your credit card debt.
We understand that unexpected disruptions, like a government shutdown, can cause financial stress, and we’re here to help.
Personal Banking Customers: Our Elite and Reserve Tier customers can place a wire via Online banking or the LendingClub Mobile app. For all other customers, they can reach out to Customer Service at 800.242.0272 to initiate a wire.
Related Glossary
{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.
{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.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
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.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
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