I just got denied too. No problems with first loan. But... I did just read in another thread from 2014/2015 that the funding bank was making credit inquiries, after all. I have to check my credit report to validate. But if there are new smudges since your previous requests, that may be why. When I called, the CSR said that it was because I had a restriction on my account. That restriction happened before my first loan request and that was approved. So I'm not sure what's going on. I also read about the use of PayPal Here having a negative impact on applications. Too many variables and no reasonable answers. In the end, the CSR said the application process goes through an algorithm, if there's a smudge, it gets denied.
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