Applicants with Upstart must have a minimum credit score of 300 or above as reported by a consumer reporting agency. Note, we do accept applicants with insufficient credit history to produce a credit score.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding.  For more information about material adverse changes, please see here.  

Additionally, the credit score Upstart receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.