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Earnest Reviews (2)

Thank you for providing Earnest with the opportunity to respond to your concerns We appreciate the feedback you shared about the experience you and your colleagues had with using Earnest’s Two Minute Get Your Rate toolThe purpose of this tool is to provide a rate estimate for Earnest’s student loan refinancing productThis tool does not provide pre-approvals, nor does it offer guaranteed ratesAnd we make sure consumers are aware of this by telling consumers that the final rate and approval will depend on a review of a full application when we show them the rate estimate Using the rate check tool does not affecting your credit score because it relies on a soft credit inquiry which is not taken into consideration when calculating your credit score We provide an interest estimate to prospective clients for their consideration when evaluating whether to move forward with a full applicationFor a majority of clients, Earnest’s Two Minute Get Your Rate tool is able to generate an interest estimateBut for a small subset of clients, the tool is unable to calculate a personalized interest rate estimate because of the limited information collected at this stageIn this case before the client moves to a full application, messaging is provided to alert the client that they are being asked to complete a loan applicationThe messaging states: “Sometimes we need to evaluate more information before we can calculate ratesPlease take a few minutes to complete the applicationThis will include details about your educational and professional background, as well as a credit check, so we can fully understand your financial profile and offer a rate customized to you.” When a consumer chooses to move forward with completing a loan application, an electronic consent to a hard credit inquiry is required before the completed application can be submitted As the consumer’s consent was obtained on August 8, at 7:17am PST for the hard credit inquiry, we are unable to arrange its removal Tell us why here

Thank you for providing Earnest with the opportunity to respond to your concerns.
We appreciate the feedback you shared about the experience you and your colleagues had with using Earnest’s Two Minute Get Your Rate tool. The purpose of this tool is to provide a rate estimate for Earnest’s student...

loan refinancing product. This tool does not provide pre-approvals, nor does it offer guaranteed rates. And we make sure consumers are aware of this by telling consumers that the final rate and approval will depend on a review of a full application when we show them the rate estimate.
Using the rate check tool does not affecting your credit score because it relies on a  soft credit inquiry which is not taken into consideration when calculating your credit score.
We provide an interest estimate to prospective clients for their consideration when evaluating whether to move forward with a full application. For a majority of clients, Earnest’s Two Minute Get Your Rate tool is able to generate an interest estimate. But for a small subset of clients, the tool is unable to calculate a personalized interest rate estimate because of the limited information collected at this stage. In this case before the client moves to a full application, messaging is provided to alert the client that they are being asked to complete a loan application. The messaging states: “Sometimes we need to evaluate more information before we can calculate rates. Please take a few minutes to complete the application. This will include details about your educational and professional background, as well as a credit check, so we can fully understand your financial profile and offer a rate customized to you.”
When a consumer chooses to move forward with completing a loan application, an electronic consent to a hard credit inquiry is required before the completed application can be submitted.
As the consumer’s consent was obtained on August 8, 2017 at 7:17am PST for the hard credit inquiry, we are unable to arrange its removal.
Tell us why here...

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Address: 1455 market St., San Francisco, California, United States, 94103

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